Illustrative estimator

Where do
your three bureau scores sit?

A small illustrative tool. Pick your current credit band, your on-time payment streak, and your utilization, and see what the three bureaus might look like at months 0, 6, and 12 — Experian, TransUnion, and Equifax, side by side. This is marketing math, not a FICO or VantageScore model.

Apply

Illustrative, not a bureau-issued projection. Numbers are educational; real scores depend on the full credit file.

Projection, month-by-month

At months 0, 6, and 12.

This is a marketing tool, not a FICO or VantageScore model. Real bureau scores depend on the full credit file — your mix, age, inquiries, and how each bureau weights the input.

Inputs
Tell us where you are today.
The three inputs feed the heuristic. The math is small and auditable — bucket base score, utilization headroom, and on-time streak.
Current credit band

Pick the band that matches the score you see today (FICO range).

4months

0 to 12 consecutive months of on-time payments.

012
25%

Balance ÷ limit. Keep it under 30%.

0%100%
Projection, month-by-month
At months 0, 6, and 12.
Enter your inputs above and choose “Estimate” to project the three bureau scores across the 12-month graduation window.
The chart appears here once you compute.

Enter your inputs and choose Estimate.

Illustrative, not a projection
Marketing math only — not a FICO / VantageScore model.

This is a marketing tool, not a FICO or VantageScore model. Real bureau scores depend on the full credit file — your mix, age, inquiries, and how each bureau weights the input.

Illustrative, not a bureau-issued projection. Scoring models — FICO, VantageScore, and each bureau's own scoring — use the full file; this tool is marketing math only.