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Credit Analysis

Advanced Credit Score Analyzer Pro

Advanced Credit Score Analyzer Pro

Comprehensive credit health monitoring and optimization system

Credit Score Analysis

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Credit Score
Rating
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Percentile
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Status
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Profile Information

Your most recent credit score from any bureau
Length of time since your first credit account was opened
The ratio of your current credit card balances to total limits
Credit checks from applications for new credit
Payments at least 30 days late

Credit Score Simulator

See how different actions might affect your credit score. Click any action below to simulate its impact.

Current Simulated Score:
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Payment History (35% of Score)
Pay all bills on time
+5
Set up autopay for all accounts
+8
Miss payment by < 30 days
-50
Miss payment by 30-60 days
-75
Miss payment by 90+ days
-100
Pay off collection account
+25
Credit Utilization (30% of Score)
Pay down to 0-10% utilization
+25
Maintain 11-30% utilization
+15
Increase to 31-50% utilization
-20
Increase to 51-75% utilization
-40
Max out credit cards (>75%)
-60
Credit Mix (10% of Score)
Maintain diverse portfolio
+15
Open new credit card
-5
Open personal loan
-5
Pay off and close loan
-10
Length of Credit History (15% of Score)
Keep oldest account active
+5
Close oldest account
-25
Become authorized user (old card)
+15
Open new credit line
-8
New Credit (10% of Score)
Hard inquiry
-5
Remove expired inquiry
+5
Wait 6 months no new credit
+10
Multiple cards same day
-8
Recovery Actions
Dispute obsolete item
+15
Write goodwill letter
+20
Remove paid collection
+25
Negotiate settlement
-40

Detailed Analysis

Payment History (35% Impact)

0%

Credit Utilization (30% Impact)

0%

Credit Age (15% Impact)

0%

Credit Mix (10% Impact)

0%

New Credit (10% Impact)

0%

Score Component Breakdown

Credit Profile Radar

Personalized Action Plan

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