About our Credit Score Simulator tool

The Credit Score Simulator can help you explore how different factors impact your credit score.

What is the Credit Score Simulator and how does it work?

The Credit Score Simulator is an educational tool. Explore, adjust and ponder, but remember these are estimated outcomes and not predictions.

The Credit Score Simulator starts with the information in your current TransUnion credit report and lets you explore how changes on your credit report could affect your score. Of course, it’s all hypothetical. Simulating these changes won't actually affect your score or report.

How can I use it?

If you’re using a web browser to access Credit Karma, you can find the Credit Score Simulator under Resources in your Credit Karma profile.

Go to this section in Credit Karma: Credit Score Simulator

Are these changes guaranteed?

No, the Credit Score Simulator can help you dig into some of your credit "What Ifs," but it does not predict or guarantee any future score changes.

When you use the Credit Score Simulator, you'll notice that you can only change one scenario at a time. But in real life, you may have multiple factors change in your credit report at the same time. For example, it’s common to have a new inquiry as part of opening a new line of credit.

What if I make more than one financial change at a time?

In the real world, more than one change can happen to your finances at a time. The Credit Score Simulator shows you an estimate of how each change could impact your credit health. This is to help you have a better idea of how different factors can impact your credit score.

How long do changes usually last?

This can depend on the situation and the change: effects from a missed payment, for example, generally take longer to wear off than those from a hard inquiry.

In the real world, you can also have more than one change on your report at a time. So even if the effects of one change wear off, another may still affect your score. Check on your credit reports regularly to make sure you’re on track to meet your goals.