There are online credit score simulators that can help you estimate how paying down balances, or closing a card can impact your credit score. (bettermoneyhabits.bankofamerica.com)
While it does come with a slight cost (around $ 10 a month), the Equifax credit score simulator allows you to see how certain activities will impact your score. (badcredit.org)
Look for a site the offers educational tools such as a credit score simulator plus access to your credit report. (nerdwallet.com)