Credit Score Simulator Powered by TransUnion

We don't have a crystal ball, but we do have the Credit Score Simulator. There are lots of reasons your scores could change and the Credit Score Simulator can help you explore some of them. Learn more.

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300850
680
300850
Example Score

What might happen if I get a new loan?

What might happen if I add a new credit card?

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I transfer balances to a new card?

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I close my oldest card?

Creditor Name 10 years, 4 months old

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if my credit application were denied?

Applying for credit will usually add a hard inquiry to your credit report. If you’re approved, you’ll also add a new account. But if you're denied, the inquiry will be the only new item on your report. See how a hard inquiry from around a year ago might affect your score now.

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I increase credit limit?

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I increase or decrease balances?

Choose your new total balance

Current Balance:$5,000
$0
Total Credit Limit: $6,000
$0

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I let my accounts go past due?

How many accounts?

How long past due?

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I never made any late payments?

We'll show you what your score might have been if your previously reported late payments had been on time. Choose how many months you'd like us to go back.

1 Month

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I don't pay my taxes?

Not paying your taxes can have several serious personal and financial consequences. Among them is a tax lien, a legal claim the government could place on all or some of your assets. This can also affect your credit. See what might happen if a tax lien is included on your report.

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I have my wages garnished?

If you have a civil judgment against you, a judge could rule that a certain portion of your paycheck will automatically be taken to pay off your debts. See what might happen if a wage garnishment order is included on your report.

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I go into foreclosure?

If you fall behind on your mortgage payments, your lender may attempt to force the sale of your home to make up for the financial losses. See what might happen if a foreclosure is included on your report.

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What might happen if I have an account sent to collections?

If you fall behind on one of your debts, your original lender could pass that debt to a collection agency. See what might happen if an account in collections is reported to a credit bureau.

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Credit Score Simulator only works if you're signed in to your Credit Karma account. Log In or sign up to see how this could impact your credit score.

What Might Happen If I...

Open or Close a Credit Account

Change How I Use My Cards

Change My Payment Habits

Get New Negative Marks

FAQs

The Credit Score Simulator is an educational tool. Explore, adjust and ponder, but just remember these are estimated outcomes and not predictions.

How does the Credit Score Simulator work?

The Credit Score Simulator starts with the information in your current TransUnion credit report and explores how changing that information could affect your score. Of course, it’s all hypothetical. Simulating these changes won't actually affect your score or report.

Are these changes guaranteed?

The Credit Score Simulator can help you dig into some of your credit "What Ifs," but it's not meant to predict or guarantee any future score changes. When you use the Credit Score Simulator, you'll notice that you can only change one scenario at a time. But in real life, your score is usually affected by several credit report changes at once.

What scoring model is the Credit Score Simulator based on?

Just like the scores you see on Credit Karma, the Credit Score Simulator is based on VantageScore 3.0 credit scores. Keep in mind that scores change in different ways based on what scoring model is being used.

What if I make more than one important change at once?

We know that in the real world, more than one change can happen to your finances at a time. The benefit of the Credit Score Simulator is that it shows you an estimate of how much impact one particular action could have on your credit health. So, when your score changes in the future, you might have a better idea of which particular actions are causing that change.