Know your score.
See what moves it.
A live, factor-by-factor simulator. Move the levers, watch your score respond, and get the exact points each fix is worth — free, with zero impact to your real credit score.
Your credit profile
Adjust to see your score move live.
Credit mix
Estimated credit score
Strong approvals, best rates.
What's driving it
Ways to grow your score
Credit age
Keep your oldest accounts open — your history strengthens with time.
Credit utilisation
Bring your credit-card utilisation below 30% of the limit.
Credit mix
A healthy mix of secured and unsecured credit builds a fuller profile.
+points are indicative headroom from this model, not a guarantee. Real bureau movement depends on your full report.
This is an educational simulator using a weighted model (payment history 35% · utilisation 30% · credit age 15% · mix 10% · new credit 10%). It does not pull your bureau report and has no impact on your actual credit score.