Credit Impact Predictor
See how different actions could affect your credit score
Your Current Score
680
Good
300850
What If You...
Open new credit card
Hard inquiry + new account
-10
Pay down balances to 10%
Lower utilization ratio
+30
Miss a payment (30 days)
Late payment on record
-80
Become authorized user
Add positive history
+20
Close oldest credit card
Reduces credit age
-25
Pay off collection
Settled account
+15
Apply for 3 cards at once
Multiple hard inquiries
-25
Max out a credit card
100% utilization on card
-45
Projected Score
Current
680
Projected
680
Good
Disclaimer: These are estimates based on typical credit scoring patterns. Actual impact varies by individual credit profile.