📊 Free Credit Score Simulator & Tips
Simulate how your financial decisions affect your credit score before you make them. Understand FICO and VantageScore factors with detailed visual analysis and a 12-month projection timeline.
Select actions you're planning to take and see how they impact your score.
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How to Use the Credit Score Impact Tool
Simulate how financial decisions affect your FICO credit score before you make them — free with Mortix Credit Score Simulator.
Enter Your Current Score
Enter your current FICO credit score (300–850). Not sure of your score? Check free at AnnualCreditReport.com or through your bank's app.
Select a Financial Action
Choose from 20+ scenarios: opening a new card, missing a payment, paying off debt, applying for a mortgage, closing an old account, and more.
See Score Impact
Instantly see the projected impact on your score — positive or negative — with a detailed explanation of which FICO factors are affected and why.
Build an Action Plan
Use the improvement roadmap to build a plan: pay down cards to 10% utilization, dispute errors, become an authorized user, or open a secured card.
📌 Frequently Asked Questions
How fast can I improve my credit score?
Paying down credit card debt below 30% utilization can raise your score 20–50 points in 30 days. Disputing errors can show results in 45 days.
Does checking my credit score hurt it?
No. Checking your own score (soft inquiry) has zero impact. Only hard inquiries from lenders — when you apply for credit — temporarily lower your score by 5–10 points.
What credit score is needed for a mortgage?
Conventional loans require 620+. FHA loans accept 580+ with 3.5% down. A score above 740 gets you the best mortgage rates, saving tens of thousands over the loan life.