Credit Score Impact Calculator

ANA›Life Services Authority›National Calculator Authority›Credit Score Impact Calculator

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Credit Score Impact Calculator

Estimate how key financial actions will impact your FICO® credit score based on the five official scoring factors.

### Current Credit Profile

Current Credit Score (300–850)

On-Time Payment Rate (%) — 35% of score

Current Credit Utilization (%) — 30% of score

Average Age of Accounts (years) — 15% of score

Number of Credit Types (1–5) — 10% of score

Hard Inquiries in Last 12 Months — 10% of score

### Planned Actions (What-If Scenario)

New Credit Utilization After Action (%)

New On-Time Payment Rate After Action (%)

New Average Account Age After Action (years)

New Number of Credit Types After Action (1–5)

New Hard Inquiries After Action

Calculate Score Impact

Fill in your profile and planned actions, then click Calculate.

function creCalc() { // --- Parse inputs --- var currentScore = parseFloat(document.getElementById("cre_current_score").value); var payHist = parseFloat(document.getElementById("cre_payment_history").value); var utilization = parseFloat(document.getElementById("cre_utilization").value); var creditAge = parseFloat(document.getElementById("cre_credit_age").value); var creditMix = parseFloat(document.getElementById("cre_credit_mix").value); var inquiries = parseFloat(document.getElementById("cre_inquiries").value);

var newPayHist = parseFloat(document.getElementById("cre_new_payment_history").value); var newUtil = parseFloat(document.getElementById("cre_new_utilization").value); var newCreditAge = parseFloat(document.getElementById("cre_new_credit_age").value); var newCreditMix = parseFloat(document.getElementById("cre_new_credit_mix").value); var newInquiries = parseFloat(document.getElementById("cre_new_inquiries").value);

// --- Validation --- var errors = []; if (isNaN(currentScore) || currentScore 850) errors.push("Current score must be between 300 and 850."); if (isNaN(payHist) || payHist 100) errors.push("On-time payment rate must be 0–100%."); if (isNaN(utilization) || utilization 100) errors.push("Credit utilization must be 0–100%."); if (isNaN(creditAge) || creditAge 40) errors.push("Average account age must be 0–40 years."); if (isNaN(creditMix) || creditMix 5) errors.push("Credit types must be between 1 and 5."); if (isNaN(inquiries) || inquiries 20) errors.push("Hard inquiries must be 0–20."); if (isNaN(newPayHist) || newPayHist 100) errors.push("New on-time payment rate must be 0–100%."); if (isNaN(newUtil) || newUtil 100) errors.push("New utilization must be 0–100%."); if (isNaN(newCreditAge) || newCreditAge 40) errors.push("New account age must be 0–40 years."); if (isNaN(newCreditMix) || newCreditMix 5) errors.push("New credit types must be 1–5."); if (isNaN(newInquiries) || newInquiries 20) errors.push("New hard inquiries must be 0–20.");

if (errors.length > 0) { document.getElementById("cre_result").innerHTML = "" + errors.join("") + ""; return; }

/ * FICO Score Factor Scoring Model * ───────────────────────────────────────────────────────────────────────── * FICO uses 5 weighted categories. The model treats each as a normalized sub-score * (0–100) and weight them per FICO's published weights: * * Payment History = 35% * Amounts Owed = 30% * Length of History = 15% * Credit Mix = 10% * New Credit = 10% * * Sub-score functions (each returns 0–100): * * 1. Payment History Score: * S_pay = payment_rate (already 0–100%) * * 2. Utilization Score (lower is better, optimal ≤ 9%): * S_util = 100 × max(0, 1 − (util / 100)^0.5) * Penalizes heavily above 30%, rewards sub-10% * * 3. Credit Age Score (longer is better, plateaus ~7+ years): * S_age = 100 × min(1, age / 7) * * 4. Credit Mix Score (more types = better, max 5): * S_mix = 100 × ((types − 1) / 4) * * 5. New Credit / Inquiries Score (fewer is better): * S_inq = 100 × max(0, 1 − (inquiries / 6)) * Each hard inquiry beyond 6 in 12 months scores 0 * * Composite raw score (0–100): * R = 0.35×S_pay + 0.30×S_util + 0.15×S_age + 0.10×S_mix + 0.10×S_inq * * Map composite to FICO range (300–850): * FICO_estimated = 300 + R × (850 − 300) / 100 * = 300 + R × 5.5 * * Score delta: * Δ = FICO_new − FICO_current_estimated * * Projected score: * FICO_projected = currentScore + Δ (clamped 300–850) * ───────────────────────────────────────────────────────────────────────── /

function subPayment(rate) { return rate; // 0–100 }

function subUtilization(util) { // Penalizes utilization; sqrt dampens the curve return 100 * Math.max(0, 1 - Math.pow(util / 100, 0.5)); }

function subAge(age) { return 100 * Math.min(1, age / 7); }

function subMix(types) { return 100 * ((types - 1) / 4); }

function subInquiries(inq) { return 100 * Math.max(0, 1 - (inq / 6)); }

function compositeScore(pay, util, age, mix, inq) { var s_pay = subPayment(pay); var s_util = subUtilization(util); var s_age = subAge(age); var s_mix = subMix(mix); var s_inq = subInquiries(inq); return 0.35 * s_pay + 0.30 * s_util + 0.15 * s_age + 0.10 * s_mix + 0.10 * s_inq; }

function toFICO(composite) { return 300 + composite * 5.5; }

// Current composite and estimated FICO var currentComposite = compositeScore(payHist, utilization, creditAge, creditMix, inquiries); var currentEstimated = toFICO(currentComposite);

// New composite and estimated FICO var newComposite = compositeScore(newPayHist, newUtil, newCreditAge, newCreditMix, newInquiries); var newEstimated = toFICO(newComposite);

// Delta in model space → apply to user's actual score var delta = newEstimated - currentEstimated; var projectedScore = Math.round(Math.min(850, Math.max(300, currentScore + delta))); var deltaRounded = Math.round(delta);

// Factor-level deltas var dPay = Math.round((subPayment(newPayHist) - subPayment(payHist)) * 0.35 * 5.5); var dUtil = Math.round((subUtilization(newUtil) - subUtilization(utilization)) * 0.30 * 5.5); var dAge = Math.round((subAge(newCreditAge) - subAge(creditAge)) * 0.15 * 5.5); var dMix = Math.round((subMix(newCreditMix) - subMix(creditMix)) * 0.10 * 5.5); var dInq = Math.round((subInquiries(newInquiries) - subInquiries(inquiries)) * 0.10 * 5.5);

// Score band label function scoreBand(s) { if (s >= 800) return "Exceptional"; if (s >= 740) return "Very Good"; if (s >= 670) return "Good"; if (s >= 580) return "Fair"; return "Poor"; }

function signStr(n) { return n >= 0 ? "+" + n : "" + n; }

function factorRow(label, d) { var color = d > 0 ? "#27ae60" : d " + label + "" + signStr(d) + " pts"; }

var deltaColor = deltaRounded >= 0 ? "#27ae60" : "#e74c3c"; var deltaSymbol = deltaRounded >= 0 ? "▲" : "▼";

var html = "### Credit Score Impact Results " + "" + "Current Score" + currentScore + " (" + scoreBand(currentScore) + ")" + "Projected Score" + projectedScore + " (" + scoreBand(projectedScore) + ")" + "Estimated Change" + deltaSymbol + " " + Math.abs(deltaRounded) + " points" + "" + "#### Impact by Factor " + "" + "Factor (Weight)Point Change" + factorRow("Payment History (35%)", dPay) + factorRow("Credit Utilization (30%)", dUtil) + factorRow("Length of Credit History (15%)", dAge) + factorRow("Credit Mix (10%)", dMix) + factorRow("New Credit / Inquiries (10%)", dInq) + "";

// Recommendations var tips = []; if (newUtil > 30) tips.push("Reduce utilization below 30% (ideally below 10%) for the biggest score boost."); if (newPayHist 2) tips.push("Limit hard inquiries — each new application can lower your score temporarily."); if (newCreditAge 0) { html += "#### Recommendations "; tips.forEach(function(t) { html += ""; }); html += ""; }

document.getElementById("cre_result").innerHTML = html; }

#### Formula & Methodology

This calculator models FICO® score impact using the five official scoring categories and their published weights:

Composite Raw Score (0–100): R = 0.35×Spay + 0.30×Sutil + 0.15×Sage + 0.10×Smix + 0.10×Sinq

Map to FICO Range (300–850): FICOestimated = 300 + R × 5.5

Projected Score: FICOprojected = currentScore + (FICOnew − FICOcurrent_estimated), clamped to [300, 850]

#### Assumptions & References

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References

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