Stay ahead of score changes with our Credit Score Simulator
HOW THE SIMULATOR WORKS
Test out financial decisions first
Life is full of financial milestones, and the Credit Score Simulator can help you take action with fewer surprises. If you're asking yourself any of these questions, this free interactive tool is for you:
MORE THAN A CREDIT ESTIMATOR
Why the Credit Score Simulator works accurately
While there's no guarantee the Simulator will sync up with your exact score, it's a great tool to see how different financial actions may influence your credit. Thats because the Simulator uses information from your real credit report, so its results are customized to your actual financial profile and built on predictive modeling. You get a good gauge of the causes and effects on your overall financial health.
How the Credit Score Simulator calculates your score
Download the CreditWise app or sign up here for free. Capital One customers can sign in to access CreditWise as part their existing account.
Find the tool
Click on the "Credit Simulator" section on your home screen or look for the "Improve" section on the CreditWise app.
Choose an action
From the menu, pick what action to simulate, so CreditWise can calculate a new potential score based on what’s available to us in your credit report.1
Explore what may impact your credit score
Learn how different choices can affect your score.