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American Express® MyCredit Guide

Credit Score Simulator

See how your credit behavior influences your credit score.

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Benefits of Using the Credit Score Simulator

Learn how different actions can affect your credit score

Identify factors that influence your score, including how much you owe, the average age of your credit accounts, your diversity of credit, and new credit applications.

Factors that affect your credit score.
Credit Score Simulation on Mobile

Explore how to improve your credit score

See which credit factors are limiting your credit score and determine what you can do to elevate your score today.


Use The Credit Score Simulator Now

Explore pre-qualified offers tailored to your credit score

Find a wide range of American Express® Credit Card offers customized to your financial history.

American Express credit card offers based on user's credit score

A new card can bring new possibilities

Know where your score stands

American Express Card Members

Simulate Your Score