Credit Intelligence · Aivorei
Your credit score
is a game.
Learn the rules.
Simulate your score, understand every factor, build a personalized improvement roadmap, and dispute what's wrong — powered by Bethanie AI.
Your Credit Score Simulator
680
FAIR
300579669739799850
680
What Makes Your Score
What-If Simulator
Select actions you're considering. See how many points each one could add to your score.
Current estimate
680
→
Projected score
680
Points gained
+0
Today6 months12 months
Your Personalized Roadmap
Hard Pull vs. Soft Pull
🔴 Hard Pull
Lowers your score by 5–10 points. Stays on your report for 2 years (only affects score for 12 months). Requires your permission.
→Applying for a credit card
→Applying for a mortgage or car loan
→Applying for an apartment (some landlords)
→Private student loan applications
Rate shopping exception: Multiple hard pulls for the same type of loan within 14–45 days count as ONE inquiry — use this when shopping mortgages or car loans.
🟢 Soft Pull
Does NOT affect your score at all. Can happen without your permission. Safe to check anytime.
→Checking your own credit (never hurts)
→Pre-approval offers from lenders
→Employer background checks
→Credit monitoring services
→Existing lender account reviews
Free monitoring: Check your full reports free at AnnualCreditReport.com. Apps like Credit Karma, Experian (free tier), and Credit Sesame use soft pulls only.
📄 Something wrong on your report?
Under the FCRA, you can dispute any inaccurate item for free. Generate a complete dispute letter in 60 seconds.
🤖
Bethanie — Credit Coach
Ask anything about credit — she explains it straight
Online
Hey! 👋 Credit can feel confusing but the rules are actually pretty simple once you see them clearly. Tell me your situation — what's your score range, and what's your main goal? Building from nothing? Recovering from late payments? Trying to qualify for something specific? I'll give you a real plan.
Build from scratch
Late payments
Utilization
How long do negatives last?
Buy a house
Bad credit options