★ SCORE SIMULATOR · TOGGLE ACTIONS

How much can you move your score? Run the math.

Pick your starting score, toggle the actions you'll commit to, and watch the 12-month projection update live. Numbers are typical Canadian impact ranges — your mileage varies, but the direction is right.

Your current score640

★ ACTIONS · TOGGLE ON ★

Pick what you'll do

Pay down ONE card to <30% utilization+25 pts

Pay the balance on your highest-utilization card BEFORE statement closes.⏱ 1 month

Get ALL cards to <10% utilization+40 pts

The sweet spot. Below 10% utilization signals "I use credit but I'm not stretched."⏱ 1 month

Dispute and remove ONE error from report+50 pts

Most reports have errors. Disputing successfully can remove a collection or paid debt still showing as owing.⏱ 2 months

Wait for hard inquiry to age past 12 months+5 pts

Hard inquiries hurt for 12 months. Each one that ages off your "recent" pool adds points back.⏱ 12 months

Get added as authorized user on old account+15 pts

Inherit the age + history of a parent's or partner's established card. Boosts "length of history" instantly.⏱ 1 month

Get a secured card + use for 6 months+30 pts

Adds a new on-time tradeline. Especially powerful if you're thin-file or rebuilding.⏱ 6 months

Add a small installment loan (mix)+12 pts

A small RRSP-loan or credit-builder loan adds the "installment" type to your mix.⏱ 4 months

6 months of perfect on-time payments+20 pts

Continuous on-time history is the slowest but most durable score builder.⏱ 6 months

Settle (pay) an old collection-5 pts

⚠ Counter-intuitive: paying an old collection can actually DROP your score temporarily by refreshing the date. Strategy matters.⏱ 1 month

★ THE PROJECTION ★

+0 points over 0 months

STARTING640FAIR

→

PROJECTED · MONTH 0640FAIR

★ CHART · 12-MONTH PROJECTION ★

Pick what you'll do

+0 points over 0 months

Your score over time

Make it happen

Secured Cards

Disputing Errors

Monitoring

From Zero