• Pay all bills on time for the biggest impact
• Keep credit utilization below 30% (ideally under 10%)
• Don't close old credit accounts unnecessarily
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Understand how each of the five FICO factors affects your credit score with detailed component breakdowns and weightings.
Get specific, actionable recommendations based on your credit profile to improve your score effectively.
See realistic timelines for credit score improvements with immediate, short-term, and long-term action plans.
Explore how different actions could impact your credit score and prioritize the most effective improvements.
This calculator provides an educational estimate based on FICO scoring factors. Actual scores may vary as each bureau uses proprietary algorithms. Use this as a guide to understand factors affecting your score.