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Credit Score Impact Calculator
Estimate how specific actions will change your credit score.
Enter values to see your result
Frequently asked questions
Why do missed payments hurt so much?
Payment history is the single largest factor (35% of FICO). A single 30-day late can drop score 50–100 points and stays on report for 7 years.
How long to recover from a miss?
Bulk of recovery: 12–24 months. But the late mark remains on report for 7 years, affecting loans during that period. Avoid at all costs.
Does checking my score hurt it?
No. "Soft pulls" (you checking your own score) don't impact the score. Only "hard pulls" (lender inquiries for new credit) shave 2–10 points.
Why does opening a card lower score?
Two reasons: (1) hard inquiry dings 2–10 points, (2) new account lowers average age of accounts. Usually recovers in 3–6 months if you don't miss payments.