Toggle "what-if" scenarios to see how different actions could affect your credit score over 6–24 months.
Drag the slider to set your score, then toggle scenarios below to see how actions could affect it.
These are "what-if" scenarios — not guarantees. Toggle actions below (like paying down debt or opening a secured card) and watch the chart update to show the estimated impact on your score over 6–24 months. Use this to plan your next move.
Score Projection — Next 24 Months
Toggle scenarios below to see their projected impact
Toggle any combination to project their impact on your score
Collections
Utilization
New Credit
Negative
Insolvency
Opening a secured credit card is the highest-impact step for scores under 660.
Reducing your card balances below 30% can add 20–30 points quickly.
Old collections aging off your report can add 30–60 points over time.
ClearGround Financial · Projections are estimates based on typical Canadian credit score behaviour · Not financial advice