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About this tool
Estimate how utilisation, hard enquiries and missed payments move your credit score, with a before and after comparison.
This Credit Score Impact Simulator estimates how a specific change — paying a credit card down, applying for two more loans, or missing an EMI — could move your score on the 300–900 scale used by Indian bureaus. It weights the five factors bureaus publicly disclose: payment history at roughly 35%, credit utilisation 30%, length of credit history 15%, credit mix 10% and new credit or hard enquiries 10%. The result is an educational estimate for planning, not a reproduction of any bureau's proprietary model.
Open Credit Score Impact Simulator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Two scores side by side with the point movement between them.
See which of the five bureau factors is actually holding your score down.
Built on the factor weights bureaus disclose, not invented numbers.
On the 300–900 CIBIL scale, 750 and above is generally treated as very good and gets the best loan pricing, 650–749 is good, 550–649 is fair, and below 550 is poor. Lenders set their own cut-offs.
Utilisation is roughly 30% of the score and is the fastest lever, because it is recalculated every statement cycle. Keeping usage under 30% of your total limit is the widely cited guideline.
Hard enquiries — where a lender pulls your report for an application — carry about 10% weight. One enquiry barely registers; several within a few months signal credit hunger and can cost a noticeable number of points. Checking your own score is a soft enquiry and does not hurt it.
Late payments and defaults typically remain visible on Indian bureau reports for around 36 months of payment history, and settled or written-off accounts stay much longer. This tool is informational only and does not constitute financial advice.
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