Four tools, one page
Credit Utilization
How much of your available credit you're using.
Debt Payoff Timeline
How long until it's gone — and what the interest costs you.
Score Impact Simulator
See roughly how one move nudges your score — and the gauge up top.
Credit Mix Check
Lenders like to see you handle different kinds of credit.
What actually moves a FICO score
Payment history
Paying on time, every time, is the single biggest lever you have.
Utilization
Balances kept low against your limits signal you're not stretched.
Credit age
Older accounts help. Keeping old cards open quietly works for you.
Credit mix
A blend of cards and loans shows range, not just one habit.
New credit
Lots of new applications at once can read as risk. Space them out.
Plain-English guides
The 30% rule, explained
Why the ratio between your balances and limits matters more than most people realize — and how to lower it fast.
Read →Avalanche vs. snowball
Two proven ways to clear balances, the math behind each, and how to pick the one you'll actually stick with.
Read →The five things that count
A clear breakdown of what goes into a credit score, how much each part weighs, and where to focus first.
Read →