GoodScore breaks down the factors bureaus actually weigh, then lets you model utilization, payoff timelines, and balance transfers before you act — not after your statement closes.
Utilization
18%
On-Time Pmts
98%
Credit Age
7.4 yrs
Inquiries
1
Each bureau model weighs these categories differently, but the hierarchy below reflects how most FICO-based scores are commonly structured.
35%
On-time payments across every reported account.
30%
Revolving balances relative to total limits.
15%
Average and oldest account age combined.
10%
Revolving and installment accounts, blended.
10%
Hard pulls from recent credit applications.
Adjust the inputs to see how utilization, payment history, inquiries, and account age move an illustrative score projection.
Projected Score
700
Adjust the fields above and run the simulation to see a projection.
Three additional calculators handle utilization, debt payoff, and balance transfer math — all on one page.
The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate information and receive a documented bureau response. Our dispute workflow walks through the process step by step.
Review the dispute workflowRun the numbers before you apply, transfer, or pay down a balance — not after.
Open Calculators