Financial Tools
Credit Score Simulator
Explore how the assumptions in this tool change an illustrative score estimate.
Explore a scenario
Your Current Profile
Adjust each factor to match your current financial situation
How much of your available credit you're currently using. Below 30% is ideal.
How long you've had credit accounts. Older histories score higher.
Number of credit applications in the last 6 months.
Diversity of credit types (home loan, car finance, credit card, store accounts, etc.)
Simulate Actions
Select actions to see how they could affect your score
Tap any card to toggle
Consistent on-time payments show bureaus you're reliable
Using less of your available credit improves your ratio
Removing judgements significantly boosts your payment profile
Successfully completing financial rehabilitation restores your credit profile
Multiple credit applications lower your score temporarily
Reduces credit mix diversity but simplifies your profile
Illustrative estimate only. It is not a credit-bureau score and does not predict a lender's decision.
Your Baseline Score
525 (Unfavourable)
Simulated Credit Score
Unfavourable
Score Factor Breakdown
Based on the five factor categories used by SA credit bureaus
3 missed payment(s) are reducing this factor
At 55% — aim for below 30% for optimal scoring
A longer credit history improves this over time
Enquiry level is manageable
Diversifying credit types can improve this
Assumptions and limits
Scoring model: This tool uses the displayed 0–999 range and weighted factors to produce an illustrative estimate. Credit bureaus use their own models and ranges.
Disclaimer: This simulator cannot provide a bureau score, predict approval or replace an assessment of your circumstances.
- See how financial actions affect your credit score
- Based on TransUnion SA's official 0–999 scoring bands
- Simulate improvements before making real changes
- Plan your credit rehabilitation journey