Five things decide your score. Drag each one below and see exactly what happens. Then let the app do it with your real numbers.
Educational estimate. Your real score comes from your bureau data.
The single biggest lever. One late payment can cost 60 to 110 points.
How much of your limit you use. Under 10 percent is ideal, over 50 percent hurts fast.
Older is better. Closing your oldest card can drag this down.
A healthy mix of cards and loans, all paid on time.
Each new application can shave a few points for a while.
Notice how the top two sliders swing the gauge the hardest. Payment history and utilization are 65 percent of the math, and they are the two you can fix the fastest.
35%
On-time payments
30%
Credit utilization
15%
Average account age
10%
Accounts in good standing
10%
Hard inquiries (2 yrs)
Credit Booster AI reads your real data across all three bureaus, finds the errors dragging you down, and shows the exact points each move is worth, before you make it.
No. This is an educational estimate that shows how the five FICO factors move a score. Your real score depends on your actual bureau data. Credit Booster AI reads all three bureaus and shows your true numbers plus the exact impact of each move.
Payment history (35 percent) and utilization (30 percent) together decide about two thirds of your score. They are also the two you can change the fastest.
Utilization updates as soon as your statement posts, so paying a card down can move your score within a single billing cycle. Removing an error takes 30 to 45 days after the letter is filed.
