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Credit Score City

Late payments follow you. Make twelve monthly choices and build a score that opens doors.

Choose your level

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Credit Score City

A year of mail in Credit Score City: a card bill, a store-card offer, a phone contract, a missed reminder. Each month pick what to do and watch a made-up score from 300 to 850 move, and with it the rate a lender would offer on a loan.

12 months
Credit scores

How to play

Choose. Each month a letter or an offer arrives. Pick one of three moves: pay on time, pay the minimum, open something new, ignore it.
Watch. On-time payments and low use of your limits lift the score; late payments and lots of new credit pull it down.
Three levels. Beginner, Intermediate or Expert, picked before you play: the content and the clock change, and each level keeps its own best score.
Coins. Example numbers in plain fictional coins, made up for the game. Not financial advice.

Quick tips

On time, every time. Paying on time is the steadiest way up. One late payment can undo months of good ones.
Use little of your limit. Owing a small share of the credit you have reads better than maxing a card, even if you pay it later.

One more tip in the Credit Score City guide →