Credit Score Simulator: Illustrative Tool
Important Disclaimer
This simulator is an illustrative educational tool only. The rules behind it are simplified approximations of general credit-scoring factors. They do not reflect the actual methodology used by Equifax Canada, TransUnion of Canada, or any other credit bureau. Use it to explore concepts, not to predict a real score.
Explore how common credit habits could affect a score in this educational illustration. It is not a real Equifax or TransUnion score and does not use any bureau's actual algorithm.
Enter your current credit score (Equifax or TransUnion)
Percentage of available credit being used (aim for under 30%)
Percentage of payments made on time
Number of hard credit checks (loan/credit applications)
Average age of your credit accounts in years
Rough estimate. Not advice.
Projected Credit Score (Strong range)
715
Estimated Score Change
35
Utilization Level
30.00%
Payment History Score
95.00%
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