Everyday numbers, solved
Simulate how paying down debt, missing payments, or opening cards impacts your credit score.
Money
See how common actions like paying down debt or missing a payment could move your credit score.
Estimated new score
-
Estimates based on FICO scoring factors. Actual changes vary by credit file; this is directional, not a guarantee.
How it works
Quick answer: Credit actions move scores by different amounts. Starting from 700, paying down card balances might add about 20 points, while a 30-day late payment could cost about 70.
Estimated new score = current score + typical change for the action (kept within 300 to 850)Changes are directional averages based on FICO scoring factors: payment history (35%), amounts owed (30%), length of history (15%), new credit (10%), and credit mix (10%).
Score 700, pay down card balances: estimated 720 (+20 pts).
| Action | Typical change | Estimated score | Open |
|---|---|---|---|
| Pay down card balances | +20 pts | 720 | Open |
| Pay a card off | +15 pts | 715 | Open |
| Miss a payment (30 days) | -70 pts | 630 | Open |
| Open a new card | -7 pts | 693 | Open |
| Close the oldest card | -12 pts | 688 | Open |
| One hard inquiry | -4 pts | 696 | Open |
Missed payments - payment history is 35% of a FICO score.
Lowering utilization below 30% can lift your score within one billing cycle.