Credit Hub
Build · Repair · Optimize · Leverage. Pick the track that matches where you are.
Personalize for your level
Beginner, Intermediate & Advanced rewrites are for account holders. Sign in to unlock.
Pick your track
Credit is a lifecycle. Where are you on it?
Optimize: squeeze every point out of an already-good file
700+? Here's the path to 800+.
You already have a working credit file. To push higher, focus on three levers:
- Keep utilization super low. Aim for under 10% of your total limit AND under 10% per individual card. Pay before the statement closes, not just before the due date.
- Never miss a payment. One 30-day late can drop a 780 score by 80–100 points. Auto-pay the minimum on every card as a safety net.
- Don't close old cards. Age matters. Your oldest card sets your "credit history length" — about 15% of your score.
AZEO simulator
All Zero Except One — one card reports 1–9%, rest at $0.
Est. lift vs 30% util
+20 pts
FICO 8 typical
Reporting balance
$188
On one card only
Tip: Pay other cards to $0 BEFORE statement closes. Let one card report a small balance to avoid the "all-zero" penalty.
Utilization optimizer
Utilization is ~30% of your FICO score. Aim for under 10%.
Utilization
35.0%
High — lenders see risk
Target balance
$900
9% of limit
0%35%100%
Score simulator
Estimate the 6-month impact of common credit moves.
Projected score (6 mo)
682
Good • +42 pts
Current
640
Estimates only. Real FICO movement depends on full credit profile, account age, and reporting timing.
Debt payoff planner
Compare snowball (lowest balance first) vs avalanche (highest APR first).
Debt-free in
33 mo
~2.8 years
Total interest
$2,700
Total paid
$15,200