Your essential tool for understanding and projecting credit score growth. Make informed decisions to build a stronger financial future.
Estimate Your Credit Score Improvement
Enter your current FICO score (e.g., 650).
Months of on-time payments to factor in. (e.g., 12 for 1 year).
Average number of new accounts opened annually. (e.g., 1).
Percentage of your available credit being used (e.g., 30%). Lower is better.
Number of new positive entries (e.g., on-time payments, credit limit increases) per year.
Your Projected Credit Score Improvement
— Potential Score Increase
Estimated Future Score:—
Payment History Impact:— points
Credit Utilization Impact:— points
New Credit Impact:— points
Positive Remark Impact:— points
This calculator provides an estimation based on common credit scoring factors. Individual results may vary.
Projected Score Evolution Over Time
Factor
Weighting (Approx.)
Input Value
Impact on Score
Payment History
35%
—
—
Credit Utilization
30%
—
—
Length of Credit History
15%
(Based on Payment History Consistency)
—
Credit Mix & New Credit
10%
—
—
New Credit Applications
10%
—
—
Positive Remarks
(Factor within Payment History/Other)
—
—
Key Factors Contributing to Credit Score
What is a Credit Score Improvement Calculator?
A credit score improvement calculator is a sophisticated online tool designed to help individuals estimate how specific actions and financial habits might impact their credit scores over time. It takes your current credit score and various input metrics related to your credit management—such as payment history consistency, credit utilization, and the number of new credit accounts—to project potential score changes. This type of credit score improvement calculator is invaluable for anyone looking to understand the tangible effects of improving their financial behavior on their creditworthiness. It demystifies the complex credit scoring models by providing a simplified, quantifiable view of how your efforts translate into a better score.
Who should use it? Anyone who is looking to:
Understand the direct impact of positive financial habits.
Set realistic goals for credit score improvement.
Prioritize which credit management strategies will yield the best results.
Prepare for major financial events like applying for a mortgage, car loan, or even renting an apartment.
Monitor their progress towards a target credit score.
Common misconceptions about credit score improvement calculators include believing they offer exact predictions. It's crucial to remember that these are estimates. Real-world credit scores are influenced by numerous micro-factors and algorithms that can change. Furthermore, some users might overestimate the speed of improvement or underestimate the effort required. This calculator is a guide, not a guarantee, and its effectiveness relies on the accuracy of your inputs and the general applicability of the scoring model it simulates.
Credit Score Improvement Calculator Formula and Mathematical Explanation
The core of this credit score improvement calculator relies on a weighted model that simulates the general principles of popular credit scoring systems like FICO. While exact proprietary formulas are confidential, a widely accepted breakdown of credit score factors is used to create a realistic estimation. The calculator aims to quantify the impact of key credit behaviors.
Step-by-Step Derivation & Variable Explanations
The calculator estimates an improvement by evaluating the projected change in key credit factors and their approximate weightings in a credit score. We'll focus on the most impactful categories:
Payment History (Approx. 35%): This is the most significant factor. Consistent on-time payments positively influence the score. Negative events (late payments, defaults) have a severe negative impact. For improvement, we focus on the positive impact of continued good behavior and the reduction of negative marks over time. The 'Payment History Consistency' input helps model the positive accumulation of on-time payments.
Credit Utilization (Approx. 30%): This measures the amount of credit you're using compared to your total available credit. A lower utilization ratio (ideally below 30%, even better below 10%) is crucial. The calculator uses your 'Average Credit Utilization' input to estimate score changes if this ratio is improved.
Length of Credit History (Approx. 15%): A longer history of responsible credit use generally leads to a better score. The 'Payment History Consistency' also indirectly contributes here, as it reflects the duration of active, positive credit lines.
Credit Mix & Credit History (Approx. 10%): Having a mix of credit types (e.g., credit cards, installment loans) can be beneficial. The calculator doesn't directly adjust for mix but assumes a baseline.
New Credit (Approx. 10%): Opening too many new accounts in a short period can negatively impact your score due to 'hard inquiries' and the potential for a shorter average account age. The 'New Credit Accounts Per Year' input models this.
Positive Remarks (Integrated Factor): While not a standalone category in most models, consistently adding positive remarks (like credit limit increases, on-time payments) bolsters the Payment History and overall score. The 'Positive Remarks Added Per Year' input provides an additional positive boost.
The calculator assigns points based on how well your inputs align with ideal credit behaviors. For instance, maintaining low utilization yields more points than high utilization. Conversely, opening many new accounts reduces the score.
Variables Table
Variable
Meaning
Unit
Typical Range
Current Credit Score
Your starting credit score (e.g., FICO).
Score (300-850)
300-850
Payment History Consistency
Number of months with on-time payments to consider.
Months
0+
New Credit Accounts Per Year
Average number of new credit accounts opened annually.
Count
0+
Average Credit Utilization
Percentage of available credit used.
%
0-100%
Positive Remarks Per Year
Number of positive credit events/updates per year.
Count
0+
Projected Score Increase
Estimated point increase in credit score.
Points
Varies (e.g., 0-100+)
Estimated Future Score
Current Score + Projected Score Increase.
Score (300-850)
300-850
Practical Examples (Real-World Use Cases)
Let's explore how the credit score improvement calculator can be used with practical scenarios.
Example 1: Focusing on Credit Utilization
Scenario: Sarah currently has a credit score of 680. Her average credit utilization is high at 75% across her two credit cards. She has a good payment history (48 months of on-time payments) and has opened only 1 new account in the last year. She wants to see how reducing her utilization could help.
Payment History Impact: +5 points (reflecting continued good behavior)
Interpretation: By lowering her credit utilization from 75% to a target of under 30% (which would require significant card payments), Sarah could potentially see a substantial jump of 45 points, bringing her score to 725. This highlights the power of managing revolving credit effectively.
Example 2: Improving for a Mortgage Application
Scenario: John needs to improve his credit score from 710 to at least 740 to qualify for a better mortgage rate. He has a solid payment history (72 months) but has opened 3 new credit cards in the past 18 months (averaging 2 per year) and his utilization is around 40%.
Inputs:
Current Credit Score: 710
Payment History Consistency: 72 months
New Credit Accounts Per Year: 2
Average Credit Utilization: 40%
Positive Remarks Per Year: 3
Calculator Output (Hypothetical):
Projected Score Increase: +28 points
Estimated Future Score: 738
New Credit Impact: -10 points (due to recent accounts)
Credit Utilization Impact: +20 points (if reduced to 30%)
Interpretation: John's calculator results suggest that while his payment history is strong, the recent credit applications have a slight drag. By actively paying down his credit card balances to get utilization below 30% and maintaining his on-time payments, he could potentially reach a score of 738. He might need to wait a few more months for the impact of new credit to lessen further or focus heavily on reducing utilization to cross the 740 threshold.
How to Use This Credit Score Improvement Calculator
Using this credit score improvement calculator is straightforward and designed to provide actionable insights. Follow these steps:
Input Current Score: Enter your most recent credit score accurately. Scores typically range from 300 to 850.
Enter Financial Habits: Fill in the fields for:
Payment History Consistency: The number of months you've consistently made on-time payments.
New Credit Accounts Per Year: The average number of new credit accounts you've opened annually.
Average Credit Utilization: The percentage of your available credit limit that you are currently using.
Positive Remarks Per Year: Estimate the number of positive updates or events recorded on your credit report annually.
Click 'Calculate Improvement': Once all fields are populated with valid numbers, click the button.
How to Read Results:
Primary Result (Potential Score Increase): This is the main takeaway, showing the estimated number of points your score might increase based on the inputs.
Estimated Future Score: This is your current score plus the projected increase.
Factor Impacts: These show the estimated point contribution (positive or negative) from each specific factor you entered, giving you a granular view.
Table & Chart: The table breaks down the approximate weighting of each factor and its impact, while the chart visualizes potential score changes over time or across scenarios.
Decision-Making Guidance:
Use the results to identify your strongest and weakest areas. If the calculator shows a significant potential increase from lowering credit utilization, focus your efforts there. If the impact of new credit is negative, consider pausing on new applications. The goal is to use these projections to prioritize actions that will yield the greatest positive impact on your credit score, helping you achieve your financial goals faster.
Key Factors That Affect Credit Score Improvement Results
Several critical elements influence the accuracy and outcome of any credit score improvement calculator. Understanding these factors is key to interpreting the results correctly:
Accuracy of Input Data: The calculator's output is only as good as the information you provide. Inaccurate current scores, incorrect utilization percentages, or overestimated on-time payment streaks will lead to misleading projections. Always use verified data from your credit reports.
Credit Scoring Model Variations: Different credit bureaus and scoring models (FICO, VantageScore) use slightly different algorithms and weightings. This calculator uses a generalized model; your actual score may differ.
Time Horizon: Credit score changes don't happen overnight. The impact of positive actions, like paying down debt or maintaining a lower utilization, accumulates over months. Calculators provide estimates, but real improvement takes consistent effort over time.
Severity of Negative Information: While the calculator focuses on improvement, severe negative marks like bankruptcies, foreclosures, or recent charge-offs have a disproportionately large negative impact that can significantly slow down score recovery, even with positive actions elsewhere.
Credit Mix and Age: The calculator offers simplified inputs. The actual score considers the variety of credit you have (credit cards vs. loans) and the average age of your accounts. A diverse and mature credit profile generally scores better.
Hard Inquiries: Each time you apply for new credit, a hard inquiry is typically placed on your report, which can temporarily lower your score. The calculator accounts for new accounts opened per year, but the immediate dip from multiple inquiries in a short period is a factor.
External Economic Factors: While not directly input, broader economic conditions can indirectly influence credit. For example, during recessions, lenders might tighten standards, affecting available credit or the perceived risk of new applications.
Frequently Asked Questions (FAQ)
What is the most important factor for improving my credit score?
Payment history is overwhelmingly the most significant factor, accounting for about 35% of your credit score. Consistently paying all your bills on time is crucial for building and maintaining a healthy credit score.
How quickly can I expect to see my credit score improve?
Improvement timelines vary greatly. Positive actions like consistently paying bills on time and reducing credit utilization can start showing effects within 1-3 months. However, significant gains often take 6-12 months or longer, especially when addressing major negative marks.
Is it possible to improve my credit score by over 100 points?
Yes, it's possible, especially if your starting score is low (e.g., below 600) and you make substantial positive changes, such as drastically reducing high credit card balances or correcting errors on your report. However, such large jumps are not guaranteed and depend heavily on your specific credit profile and the actions taken.
How does closing old credit cards affect my score?
Closing old credit cards can negatively impact your score in two main ways: it reduces your overall available credit (potentially increasing your credit utilization ratio) and lowers the average age of your credit accounts. It's often advisable to keep older, unused cards open, provided they don't have high annual fees.
What is considered "good" credit utilization?
Experts generally recommend keeping your credit utilization ratio below 30%. Scores improve further as utilization drops below 10%. This means using only $300 of a $1,000 credit limit is better than using $700.
Should I pay off all my debt to improve my score?
While paying down debt is excellent for your score, especially high-interest credit card debt, completely eliminating all debt might not be optimal. Lenders often look favorably upon a mix of credit, including some installment loans paid responsibly alongside credit cards used with low utilization. Focus on reducing balances on revolving credit first.
Can this calculator predict my score for a loan application?
This calculator provides an estimation based on general scoring factors. It's a helpful tool for understanding potential impact, but lenders use proprietary scoring models and may consider additional factors. Your actual score at the time of application might differ.
What are "positive remarks" and how do they help?
Positive remarks are entries on your credit report that indicate responsible credit management. Examples include consistently making payments on time, credit limit increases, or successfully managing different types of credit. These strengthen your payment history and overall credit profile, contributing positively to your score.
// Global variables for chart data
var chartData = {
labels: ['Now', '6 Months', '1 Year', '2 Years', '5 Years'],
datasets: [{
label: 'Projected Score',
data: [], // Will be populated by calculateCreditScore
borderColor: 'var(–primary-color)',
backgroundColor: 'rgba(0, 74, 153, 0.2)',
fill: true,
tension: 0.1
}, {
label: 'Target Score Range',
data: [], // Represents a stable range around the projected score
borderColor: 'var(–success-color)',
borderDash: [5, 5],
backgroundColor: 'rgba(40, 167, 69, 0.1)',
fill: '+1', // Fills to the dataset above it
tension: 0.1
}]
};
// Initialize chart
var ctx = document.getElementById('scoreChart').getContext('2d');
var scoreChart = new Chart(ctx, {
type: 'line',
data: chartData,
options: {
responsive: true,
maintainAspectRatio: false,
scales: {
y: {
beginAtZero: false,
title: {
display: true,
text: 'Credit Score'
},
min: 300,
max: 900
},
x: {
title: {
display: true,
text: 'Time Horizon'
}
}
},
plugins: {
tooltip: {
callbacks: {
label: function(context) {
var label = context.dataset.label || ";
if (label) {
label += ': ';
}
if (context.parsed.y !== null) {
label += context.parsed.y.toFixed(0);
}
return label;
}
}
}
}
}
});
// Function to validate input
function validateInput(id, min, max, isRequired = true) {
var input = document.getElementById(id);
var value = parseFloat(input.value);
var errorElement = document.getElementById(id + 'Error');
errorElement.style.display = 'none'; // Hide previous error
if (isRequired && (input.value === " || isNaN(value))) {
errorElement.textContent = 'This field is required.';
errorElement.style.display = 'block';
return false;
}
if (!isNaN(value)) {
if (min !== null && value max) {
errorElement.textContent = 'Value cannot be greater than ' + max + '.';
errorElement.style.display = 'block';
return false;
}
}
return true;
}
// Function to calculate credit score improvement
function calculateCreditScore() {
// Hide results initially
document.getElementById('results-container').style.display = 'none';
// Validate all inputs first
var allValid = true;
allValid = validateInput('currentScore', 300, 850) && allValid;
allValid = validateInput('paymentHistoryConsistency', 0) && allValid;
allValid = validateInput('newCreditAccountsPerYear', 0) && allValid;
allValid = validateInput('averageCreditUtilization', 0, 100) && allValid;
allValid = validateInput('positiveRemarksPerYear', 0) && allValid;
if (!allValid) {
return; // Stop calculation if any input is invalid
}
var currentScore = parseFloat(document.getElementById('currentScore').value);
var paymentHistoryConsistency = parseFloat(document.getElementById('paymentHistoryConsistency').value);
var newCreditAccountsPerYear = parseFloat(document.getElementById('newCreditAccountsPerYear').value);
var averageCreditUtilization = parseFloat(document.getElementById('averageCreditUtilization').value);
var positiveRemarksPerYear = parseFloat(document.getElementById('positiveRemarksPerYear').value);
// — Simplified Scoring Logic —
// These are heuristic values for demonstration. Real scores are complex.
var scoreImprovement = 0;
var paymentHistoryImpact = 0;
var creditUtilizationImpact = 0;
var newCreditImpact = 0;
var positiveRemarksImpact = 0;
var lengthOfHistoryImpact = 0; // Simplified contribution
// 1. Payment History (Weight ~35%) – Assume consistent positive history
// Base points for consistent history, adjusted slightly by remark count
paymentHistoryImpact = Math.min(paymentHistoryConsistency * 0.5, 100) + (positiveRemarksPerYear * 1.5); // Max ~100 points from consistency + remarks bonus
paymentHistoryImpact = Math.max(0, paymentHistoryImpact); // Ensure non-negative
scoreImprovement += paymentHistoryImpact;
// 2. Credit Utilization (Weight ~30%) – Significant impact if high
var utilizationScoreBonus = 0;
if (averageCreditUtilization <= 10) {
utilizationScoreBonus = 70; // Excellent
} else if (averageCreditUtilization <= 30) {
utilizationScoreBonus = 50; // Good
} else if (averageCreditUtilization <= 50) {
utilizationScoreBonus = 30; // Fair
} else if (averageCreditUtilization <= 75) {
utilizationScoreBonus = 10; // Needs Improvement
} else {
utilizationScoreBonus = -20; // High risk
}
creditUtilizationImpact = utilizationScoreBonus;
scoreImprovement += creditUtilizationImpact;
// 3. Length of Credit History (Weight ~15%) – Simplified, linked to consistency
// Assume a baseline increase based on consistency duration, capped
lengthOfHistoryImpact = Math.min(paymentHistoryConsistency * 0.2, 30); // Max ~30 points
scoreImprovement += lengthOfHistoryImpact;
// 4. New Credit (Weight ~10%) – Negative impact for too many recent accounts
var newCreditPenalty = newCreditAccountsPerYear * 7; // Penalty per new account
newCreditImpact = -newCreditPenalty;
scoreImprovement += newCreditImpact;
// 5. Positive Remarks (Integrated, partially added to Payment History)
// Additional small boost for positive remarks, distinct from baseline history consistency
positiveRemarksImpact = Math.max(0, positiveRemarksPerYear * 1.0); // Small bonus for remarks
scoreImprovement += positiveRemarksImpact;
// Final Score Calculation – Ensure score stays within bounds
var estimatedFutureScore = currentScore + scoreImprovement;
estimatedFutureScore = Math.max(300, Math.min(850, estimatedFutureScore)); // Clamp between 300 and 850
// — Update Results Display —
var projectedScoreIncrease = estimatedFutureScore – currentScore;
document.getElementById('primary-result').innerHTML = '' + projectedScoreIncrease.toFixed(0) + ' Potential Score Increase';
document.getElementById('estimatedFutureScore').textContent = estimatedFutureScore.toFixed(0);
document.getElementById('paymentHistoryImpact').textContent = paymentHistoryImpact.toFixed(0);
document.getElementById('creditUtilizationImpact').textContent = creditUtilizationImpact.toFixed(0);
document.getElementById('newCreditImpact').textContent = newCreditImpact.toFixed(0);
document.getElementById('positiveRemarksImpact').textContent = positiveRemarksImpact.toFixed(0);
// Update table
document.getElementById('tablePaymentHistoryInput').textContent = paymentHistoryConsistency + " months";
document.getElementById('tableUtilizationInput').textContent = averageCreditUtilization + "%";
document.getElementById('tableNewCreditInput').textContent = newCreditAccountsPerYear + " / year";
document.getElementById('tablePositiveRemarksInput').textContent = positiveRemarksPerYear + " / year";
document.getElementById('tablePaymentHistoryImpact').textContent = paymentHistoryImpact.toFixed(0) + " pts";
document.getElementById('tableUtilizationImpact').textContent = creditUtilizationImpact.toFixed(0) + " pts";
document.getElementById('tableLengthOfHistoryImpact').textContent = lengthOfHistoryImpact.toFixed(0) + " pts";
document.getElementById('tableNewCreditImpact').textContent = newCreditImpact.toFixed(0) + " pts";
document.getElementById('tableNewApplicationsInput').textContent = newCreditAccountsPerYear + " / year";
document.getElementById('tablePositiveRemarksImpact').textContent = positiveRemarksImpact.toFixed(0) + " pts";
// Show results container
document.getElementById('results-container').style.display = 'block';
// — Update Chart —
// Project future scores based on consistent positive behavior
var futureScores = [];
var targetScores = [];
var baseScore = currentScore;
var projectedIncreasePerPeriod = projectedScoreIncrease / 5; // Distribute increase over 5 periods
for (var i = 0; i < chartData.labels.length; i++) {
var projectedScore = baseScore + (projectedIncreasePerPeriod * i);
projectedScore = Math.max(300, Math.min(850, projectedScore)); // Clamp score
futureScores.push(projectedScore.toFixed(0));
// Target score range: +/- 10 points around projected score
var targetLower = Math.max(300, projectedScore – 10);
var targetUpper = Math.min(850, projectedScore + 10);
targetScores.push(targetLower.toFixed(0));
targetScores.push(targetUpper.toFixed(0)); // Need two points for the fill
}
// Ensure targetScores has the correct structure for fill: '+1'
// The data array for the second dataset should contain values for each label point,
// and then potentially duplicate the last value for the fill to work correctly if needed,
// or simply ensure the number of points match.
// A simpler approach for fill:targetScores is to define it explicitly for each point.
// Let's redo the target score logic for clarity with fill: '+1'
var chartTargetScores = [];
for(var i=0; i < futureScores.length; i++) {
var currentProjected = parseFloat(futureScores[i]);
chartTargetScores.push(currentProjected – 10); // Lower bound
chartTargetScores.push(currentProjected + 10); // Upper bound
}
// The fill '+1' fills from the current dataset to the *next* one.
// So, for dataset 2 (target), we want it to fill down from dataset 1 (projected).
// We need to structure `targetScores` to have the correct number of points for `fill: '+1'`.
// If `futureScores` has 5 points, `fill: '+1'` will try to fill from dataset 0 to dataset 1.
// For this to work, dataset 1 (target) needs to have a data point for each point in dataset 0.
// Let's simplify: Target scores should represent a band around the projected score.
// We'll push the lower and upper bounds for each period.
chartData.datasets[0].data = futureScores;
// For the target score range, we want a band. fill: '+1' fills FROM the previous dataset TO this one.
// So, dataset[1] (target) should represent the lower bound, and we want it to fill UP to dataset[0] (projected).
// This requires a slightly different approach for fill: '+1' or using fill: 'origin'/'start'/'end'.
// Given the requirement, let's try defining target scores as a band.
// We'll use two separate datasets for lower and upper bounds, and no fill, for clarity.
// OR, if we must use fill '+1': the second dataset should conceptually represent the "upper bound" of the target range,
// and fill '+1' will fill *down* from the first dataset to the second.
// Let's adjust the target scores to represent the lower bound of the acceptable range.
var targetLowerBounds = [];
for(var i=0; i < futureScores.length; i++) {
var currentProjected = parseFloat(futureScores[i]);
targetLowerBounds.push(Math.max(300, currentProjected – 15).toFixed(0)); // Lower bound of acceptable range
}
chartData.datasets[1].data = targetLowerBounds; // This represents the lower bound. The fill will be between this and the projected score.
scoreChart.update();
}
// Function to reset the form
function resetForm() {
document.getElementById('currentScore').value = 650;
document.getElementById('paymentHistoryConsistency').value = 12;
document.getElementById('newCreditAccountsPerYear').value = 1;
document.getElementById('averageCreditUtilization').value = 30;
document.getElementById('positiveRemarksPerYear').value = 4;
// Clear errors
var errorElements = document.querySelectorAll('.error-message');
for (var i = 0; i < errorElements.length; i++) {
errorElements[i].style.display = 'none';
}
// Clear results and hide container
document.getElementById('primary-result').innerHTML = '— Potential Score Increase';
document.getElementById('estimatedFutureScore').textContent = '–';
document.getElementById('paymentHistoryImpact').textContent = '–';
document.getElementById('creditUtilizationImpact').textContent = '–';
document.getElementById('newCreditImpact').textContent = '–';
document.getElementById('positiveRemarksImpact').textContent = '–';
document.getElementById('tablePaymentHistoryInput').textContent = '–';
document.getElementById('tableUtilizationInput').textContent = '–';
document.getElementById('tableNewCreditInput').textContent = '–';
document.getElementById('tablePositiveRemarksInput').textContent = '–';
document.getElementById('tablePaymentHistoryImpact').textContent = '–';
document.getElementById('tableUtilizationImpact').textContent = '–';
document.getElementById('tableLengthOfHistoryImpact').textContent = '–';
document.getElementById('tableNewCreditImpact').textContent = '–';
document.getElementById('tableNewApplicationsInput').textContent = '–';
document.getElementById('tablePositiveRemarksImpact').textContent = '–';
document.getElementById('results-container').style.display = 'none';
// Reset chart data
chartData.datasets[0].data = [];
chartData.datasets[1].data = [];
scoreChart.update();
}
// Function to copy results to clipboard
function copyResults() {
var resultsContainer = document.getElementById('results-container');
var resultElements = resultsContainer.querySelectorAll('.result-item, #primary-result');
var copyText = "Credit Score Improvement Estimate:\n\n";
// Add primary result
var primaryResult = document.getElementById('primary-result');
copyText += primaryResult.textContent.trim() + "\n\n";
// Add intermediate results
resultElements.forEach(function(el) {
var label = el.querySelector('strong') ? el.querySelector('strong').textContent : ";
var value = el.querySelector('span') ? el.querySelector('span').textContent : el.textContent.replace(label, ").trim();
if (label && value !== '–') {
copyText += label + " " + value + "\n";
}
});
// Add key assumptions (from inputs)
copyText += "\nKey Assumptions/Inputs:\n";
copyText += "Current Score: " + document.getElementById('currentScore').value + "\n";
copyText += "Payment History Consistency: " + document.getElementById('paymentHistoryConsistency').value + " months\n";
copyText += "Average Credit Utilization: " + document.getElementById('averageCreditUtilization').value + "%\n";
copyText += "New Credit Accounts Per Year: " + document.getElementById('newCreditAccountsPerYear').value + "\n";
copyText += "Positive Remarks Per Year: " + document.getElementById('positiveRemarksPerYear').value + "\n";
// Use navigator.clipboard if available, otherwise fallback
if (navigator.clipboard && navigator.clipboard.writeText) {
navigator.clipboard.writeText(copyText).then(function() {
alert('Results copied to clipboard!');
}).catch(function(err) {
console.error('Failed to copy: ', err);
fallbackCopyTextToClipboard(copyText);
});
} else {
fallbackCopyTextToClipboard(copyText);
}
}
// Fallback for copy to clipboard
function fallbackCopyTextToClipboard(text) {
var textArea = document.createElement("textarea");
textArea.value = text;
textArea.style.position = "fixed"; // Avoid scrolling to bottom
textArea.style.left = "-9999px";
textArea.style.top = "-9999px";
document.body.appendChild(textArea);
textArea.focus();
textArea.select();
try {
var successful = document.execCommand('copy');
var msg = successful ? 'successful' : 'unsuccessful';
alert('Results copied to clipboard! (' + msg + ')');
} catch (err) {
alert('Oops, unable to copy');
}
document.body.removeChild(textArea);
}
// Initial calculation on page load if default values are present
document.addEventListener('DOMContentLoaded', function() {
// Check if default values are still in the inputs before calculating
if (document.getElementById('currentScore').value === '650' &&
document.getElementById('paymentHistoryConsistency').value === '12' &&
document.getElementById('newCreditAccountsPerYear').value === '1' &&
document.getElementById('averageCreditUtilization').value === '30' &&
document.getElementById('positiveRemarksPerYear').value === '4') {
calculateCreditScore();
}
});
// Update chart labels dynamically if needed, or based on timeframes
// For now, static labels are used.