How much can my score go up with on-time payments?

On average, each on-time payment can raise your FICO score by 10–15 points, depending on your credit history and usage.

Does paying more than the minimum help?

Yes. Paying more than the minimum lowers your credit utilization and shows strong repayment behavior — both are good for your score.

Is this calculator safe to use?

Absolutely. We don't store your data, and everything runs locally in your browser.

FICO Score Recovery Simulator

Find out how quickly your credit score could improve with consistent on-time payments — and see your future credit power in real time.

🔐 Credit Safety Tips

Never share your SSN or card details on unsecured websites.
Always check if a lender is licensed in your state.
Pay more than minimum due when possible — it helps your score.

📈 How It Works

Each on-time monthly payment increases your credit score by an estimated 10–15 points. Use the simulator to see how many months it may take to go from a FICO of 650 to 700 — and what that could mean for your financial future.

💡 Pro Tips:

📬 Credit Bureau Notification: Some lenders send monthly updates to bureaus — opt in where possible.
💰 Pay More Than Minimum: Even $10 extra shows positive usage and lowers your debt ratio.

Received Credit Bureau Notification Some lenders auto-report monthly — this helps your score track progress. Paid More Than Minimum Even $10 more lowers your debt ratio — small moves add up.

Your Monthly Income ($) Used to calculate your affordability level. Your Goal FICO Target score you'd like to reach. Starting Score Your current or estimated FICO score today.

🔄 Simulate Your Progress

Current Score: 650

Months paid on time: 0

💡 Why This Matters

Paying on time is the fastest way to rebuild credit.
Many lenders report to credit bureaus monthly — consistency matters.
Raising your score opens the door to better interest rates.

📄 Export Your Recovery Plan

Download a simple monthly tracker showing your FICO journey and what to do each step to stay on track.

🚫 Common Mistakes to Avoid

Missing even one payment — it can erase months of progress.
Maxing out credit cards — keep usage below 30%.
Applying for too many new loans in a short time.
Ignoring your credit report — errors can hurt your score.
Closing old accounts — longer credit history boosts FICO.

🗓️ Monthly Recovery Checklist

Month 1: Make your first on-time payment + check credit report
Month 2: Lower your utilization below 30% — if possible
Month 3: Set up auto-pay to stay consistent
Month 4: Avoid new credit applications unless urgent
Month 5: Pay extra if possible — helps reduce total debt faster
Month 6: Review FICO changes + repeat winning habits

🎯 Ready to Turn Credit into Action?

Now that you’ve mapped your recovery journey and seen your progress, take the next step. A well-timed loan — with the right terms — can support your goals and rebuild trust with lenders.

Explore Loan Offers →