Typical score impact of the moves people actually consider: paying down utilization, new cards, late payments, collections. No data collected, ever.
Open the simulator Read the guidesNot just up or down — the typical point range, adjusted for where your score stands today.
Payment history 35%, utilization 30%… the actual weights, and which ones you can move this month.
We don't 'check your score', don't ask for your SSN, don't collect anything. Education only.
Interactive calculators — numbers first, opinions second.
How scores actually move.
Free apps usually show VantageScore, most lenders still pull FICO, and since April 2026 approved mortgage lenders may deliver loans with VantageScore 4.0.
Credit ScoresCredit Karma, the Experian app, and MyFICO show three different numbers for the same file. The two variables behind every gap, and which score matters before an application.
Credit ScoresCredit Karma, the Experian app, and MyFICO show three different numbers for the same file. The two variables behind every gap, and which score matters before an application.
Credit ScoresSix legitimate credit score moves ranked by speed and typical size of impact - led by utilization paydown - plus the popular tactics that don't actually work fast, or at all.
Credit ScoresFICO publishes its factor weights: payment history 35%, amounts owed 30%, length of history 15%, credit mix 10%, new credit 10%. What each one actually measures, with worked examples.
When scoring models change or a tactic stops working, one short email.
Occasional. Unsubscribe anytime. · Privacy policy