Credit Improvement Calculator

Check off negative factors affecting your credit profile to calculate your potential point increase and draft a 6-to-12 month improvement projection.

Current Credit Score (300 - 850) *

Select all issues present in your credit file:

Active Collections

Unpaid debts sent to collections agencies.

Late Payments / Delinquency

30, 60, or 90+ days past due accounts.

High Credit Card Balances (>30% utilization)

Credit card limits are mostly maxed out.

Public Records / Bankruptcies

Bankruptcies, foreclosures, or tax liens.

Thin File / Low Mix

fewer than 3 open active accounts or limited history.

Credit Coach Projection Plan