Credit Score Drop Simulator
Credit Score Drop Simulator — Estimate Point Loss
What this calculator does
This is a rough educational simulator based on common credit bureau heuristics. Select actions and see an estimated score change.
The math, with a worked example
New score = current score − sum of selected point penalties. Penalties are fixed: missed payment −80, maxed card −45, new inquiry −5. A 700 score with a missed payment and maxed card drops about 125 points to 575.
Why this matters
Credit damage is asymmetric: one missed payment can undo years of on-time history, and a maxed card stacks on top. Simulating the drop before the decision — 700 minus 125 points in the worked example — is cheaper than living it.
Methodology and transparency
New score = current − fixed penalties per event (missed payment −80, maxed card −45, hard inquiry −5). The fixed numbers are illustrative midpoints from published scoring-impact ranges — real drops vary by starting score and file thickness, with higher scores falling further. The simulator shows relative severity, not your exact number. Everything runs in your browser; no data is sent or stored.
Last reviewed: 2026-08-08
Common questions
Is this a real credit score?
No. Real scoring models are complex and proprietary. This is a rough estimate for educational purposes.
Can my score recover?
Yes. Negative marks fade over time, especially if you keep payments current and balances low.