CredNudge

    Credit Simulator

    Explore how common habits can affect credit, using simplified illustrative estimates. Want a plan? Build My Free Credit Plan.

    Illustrative only — not a prediction of your score.

    Drag to set your real-world starting point — 300–850.

    620
    300575575720850

    Current

    620

    No changeprojected change

    Projected

    620

    050100PoorFairStrongExcellent−+
    58Fair
    DecreaseIncrease

    This is a simulated Credit Health Score — not your real credit score.

    Toggle the actions below to see how they affect your credit

    What happens if you…

    Toggle actions to see their impact on your score

    Positive Actions
    Lower credit card usage below 30%+8
    Pay all bills on time for 3 months+6
    Keep oldest account open+5
    Pay down 50% of credit card balance+15
    Become an authorized user on someone's account+10
    Set up autopay for all bills+8
    Risky Actions
    Apply for new credit-4
    Close an old card-6
    Take out a new loan-10
    Harmful Actions
    Miss a payment-20
    Default on a loan-30
    File for bankruptcy-80
    0 XP
    Explorer
    Progress to Learner0/2

    Your starter credit plan

    Generic starter plan

    A free generic plan to get you moving — gets more tailored as you explore.

    Personalized recommendations for your goals
    AI-powered guidance at your fingertips
    Free starter plan — no credit card required