Credit Improvement Simulator

See how different actions can impact your credit score

742
Current Score

Your current credit score is 742

Adjust the sliders below to see potential improvements

Adjust Parameters

Move sliders to simulate changes

Credit Utilization 35%

Recommended: Below 30%

Payment History 98%

On-time payments in last 12 months

Average Credit Age 4.2 years

Longer credit history improves score

Hard Inquiries (Last 2 Years) 3

Fewer inquiries are better

Credit Mix Diversity Good

Mix of credit types (secured + unsecured)

Projected Score

768
↑ +26 points

Based on current adjustments

Top Recommendations

✅ Reduce Credit Utilization

Pay down ₹50,000 to bring utilization below 30%. Potential gain: +15 points

✅ Maintain Payment History

Continue on-time payments for 6 more months. Potential gain: +8 points

⚠️ Avoid New Credit Applications

Wait 6 months before applying for new credit. Potential gain: +3 points

30-Day Action Plan

Follow these steps to improve your score

Week 1
Pay Down Credit Cards
Reduce outstanding balance by ₹50,000 across all credit cards
Week 2
Set Up Auto-Pay
Enable automatic payments for all credit accounts to avoid missed payments
Week 3
Review Credit Report
Check for errors and dispute any inaccuracies found
Week 4
Monitor Progress
Track score improvement and adjust strategy if needed