Select the type of loan:

• Mortgage
• Auto
• Personal

Enter the estimated amount of loan:

$

How a new loan affects a credit score varies from consumer to consumer. It also depends on the loan type and the current mix of your existing loans. For some consumers, it may build history and increase credit score. For others, it may add more debt and reduce credit scores. The only way to see how it will change your credit score is to simulate the credit score.

Select how many accounts are you applying for below:

• 0
• 1
• 2
• 3
• 4
• 5
• 6
• 7
• 8

Unfortunately...
Adding more than a few inquiries can significantly lower your credit score. However please note that multiple inquiries for auto loans and mortgages within a short period of time (for example 3 weeks) are not bad since users often shop for the best pricing.

Enter the amount of your desired credit limit increase:

$

Good news...
Because you decreased your overall utiilization, your credit score is likely to improve.

Enter the estimated amount of transfer:

$

Good news...
Generally creating more available credit while keeping your balances the same will improve your credit.

Are you closing your oldest card?

Yes

Unfortunately...
By closing that credit card account, you will likely decrease your credit score. Consider keeping the account open or paying off some of the balance.

Select from the options below:

Yes

Good news...
Paying off your cards will often significantly improve your credit score by lowering your credit card utilization.

Select how long the account has been past due:

• 30
• 60
• 90

Unfortunately...
This delinquency will decrease your credit score. To protect your credit score it is important to bring this account up-to-date as soon as possible. Each 30-day period will have a negative effect on your credit score and will be reported in your credit history.

Select how long the account has been past due:

• 30
• 60
• 90

Unfortunately...
These delinquent accounts will decrease your credit score. To protect your credit score it is important to bring all past-due accounts up-to-date as soon as possible. For every account, each 30-day period will have a negative effect on your credit score.

Select the expected number of months of on-time credit history:

• 0
• 3
• 6
• 9
• 12
• 15
• 18
• 21
• 24

Good news...
The payment history you've selected may improve your credit score if you have not missed payments recently. A longer on time payment history will increase your credit score.

Excellent...
The payment history you've chosen may significantly improve your credit score if you have missed payments recently. Continuing on-time payment practices is the best way to protect your credit score.

Select "Yes" below:

Yes

Unfortunately...
This account in collections will decrease your credit score. To protect your credit score it is important to bring all accounts in collections up-to-date as soon as possible.