Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

3 Contributions
17 People Helped
credit score simulator
The credit simulator makes no sense to me. I used the option that says make all my payments on time for 24 months and my score actually decreased, how does that make sense?

My credit utilization is at 89% but I just paid off all my credit cards two days ago (over 1300) and took my utilization to 3% and it says it will boost my score only 4 points?

If I increase the limit to my cards from 500 to 1500 it doesn't give me a boost at all not even one point, this doesn't seem right?

If anyone can shed some light on this it would be appreciated.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.