Impacto en el puntaje de crédito
How to Use This Credit Score Impact Calculator
This calculator estimates the directional FICO or Vantage score change from specific actions — paying down a balance, closing a card, opening a new account, or missing a payment.
How It’s Calculated
It uses directional modeling based on the standard FICO weighting: payment history (35%), amounts owed and utilization (30%), length of credit history (15%), new credit (10%), and credit mix (10%), applied to the specific action being modeled.
Example
Paying a card from 80% utilization down to 10% on a $10,000 limit can raise a score by 20 to 40 or more points within a billing cycle, since utilization is recalculated at statement close.
Frequently Asked Questions
Does closing a paid-off credit card hurt my score?
Often yes — it can reduce your total available credit, which raises utilization, and shorten average account age, both of which can lower your score.
How fast do credit score changes show up?
Utilization-based changes usually appear within one credit card statement cycle (about 30 days). Payment history impacts appear immediately upon reporting, but the score effect compounds over months.
Does checking my own credit score lower it?
No — checking your own score is a soft inquiry and has zero impact. Only hard inquiries from lenders reviewing a new application affect your score.