Rex says
Money math without the spreadsheet headache. Plug in your numbers and I'll show you exactly where the dollars land.
Try a scenario
Click to load — tweak from there.Inputs
Result
Estimated score after changes
723
Estimated gain
75
Conservative case
697
Optimistic case
741
Points attributable to utilization
51
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How to use this
- 1Enter current score (pts).
- 2Enter utilization now (%).
- 3Enter utilization after paydown (%).
- 4Enter late payments in last 24 months (count).
- 5Enter collections / charge-offs (count).
- 6Enter hard inquiries (12 months) (count).
- 7Enter months of clean history ahead (months).
- 8Read your estimated score after changes on the right — it updates as you type.
- 9Hit Share to keep the scenario or send it to someone.
About this calculator
No calculator can predict a credit score, because the models are proprietary and depend on the full contents of your file. What you can model honestly is direction and rough magnitude, and that is what this tool does: it weighs the factors lenders publish as most influential — payment history, revolving utilization, age of accounts, recent inquiries, and derogatory marks — and estimates a plausible range after the changes you plan. Use it to prioritise, not to predict. The typical finding is that utilization moves fastest (one statement cycle), late payments fade slowly, and new accounts cost a little now for more capacity later.
Worked example
Using the values the calculator loads with:
Inputs
- Current score: 648 pts
- Utilization now: 62 %
- Utilization after paydown: 18 %
- Late payments in last 24 months: 2 count
- Collections / charge-offs: 1 count
- Hard inquiries (12 months): 3 count
- Months of clean history ahead: 12 months
Results
- Estimated score after changes: 723
- Estimated gain: 75
- Conservative case: 697
- Optimistic case: 741
- Points attributable to utilization: 51
What each field means
Inputs
- Current score (pts)
- The current score used in the calculation, measured in pts. Starts at 648 pts so you have a working example on load. Accepted range: 300–850 pts.
- Utilization now (%)
- The utilization now used in the calculation, measured in %. Starts at 62 % so you have a working example on load. Accepted range: 0–150 %.
- Utilization after paydown (%)
- The utilization after paydown used in the calculation, measured in %. Starts at 18 % so you have a working example on load. Accepted range: 0–150 %.
- Late payments in last 24 months (count)
- The late payments in last 24 months used in the calculation, measured in count. Starts at 2 count so you have a working example on load. Accepted range: 0–30 count.
- Collections / charge-offs (count)
- The collections / charge-offs used in the calculation, measured in count. Starts at 1 count so you have a working example on load. Accepted range: 0–20 count.
- Hard inquiries (12 months) (count)
- The hard inquiries (12 months) used in the calculation, measured in count. Starts at 3 count so you have a working example on load. Accepted range: 0–20 count.
- Months of clean history ahead (months)
- The months of clean history ahead used in the calculation, measured in months. Starts at 12 months so you have a working example on load. Accepted range: 0–60 months.
Results
- Estimated score after changes
- Returned as a whole number and shown as the headline result. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Estimated gain
- Returned as a whole number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Conservative case
- Returned as a whole number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Optimistic case
- Returned as a whole number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
- Points attributable to utilization
- Returned as a whole number. It recalculates instantly whenever you change an input, so you can compare scenarios without reloading.
FAQ
How accurate is this?
It is a directional model, not a score simulator. Real scores depend on your full file and the specific model a lender pulls, and results vary widely.
What moves a score fastest?
Lowering reported revolving balances, because it updates within one statement cycle. Derogatory marks fade over years instead.
Do paid collections get removed?
Not automatically. Some scoring models ignore paid collections, others still count them, and the entry generally remains on the report for up to seven years.
Should I close old cards?
Usually no. Closing reduces total limits, raising utilization, and eventually shortens average account age.
Accuracy and limitations
- Results are estimates before tax, fees, and inflation unless an input explicitly covers them.
- Rates are treated as fixed for the whole period — variable-rate products will drift from this projection.
- This is educational maths, not financial advice. Check anything contractual with the lender or your accountant.
Related tools
Cite this calculator
Writing about this topic? Grab a citation — every link helps keep these tools free.
RevenueLab. (2026). Credit Score Improvement Calculator. Retrieved from https://www.revenuelab.fyi/toolbox/credit-score-improvement-calculator
<p>Source: <a href="https://www.revenuelab.fyi/toolbox/credit-score-improvement-calculator" target="_blank" rel="noopener">Credit Score Improvement Calculator — RevenueLab</a> (2026).</p>
Source: [Credit Score Improvement Calculator — RevenueLab](https://www.revenuelab.fyi/toolbox/credit-score-improvement-calculator) (2026).