Best Action Simulator Results Sample - FICO Standard

FICO® Standard

FICO® Standard lets you choose individual credit scores and reports from TransUnion and Equifax. FICO® Standard may be right for you if:

  • You’ve already purchased one or two credit scores in the last three months.
  • You’re about to rent an apartment, buy a cell phone or make a similar purchase.
Equifax, TransUnion

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Simulator Results

Your current FICO® Score is 707

Your simulated FICO® score would be in the following range:

757 - 777

Best Action - Pay Down 90%-100% of Your Credit Card Balances - Over the Next 24 Months

How you manage your revolving accounts (credit cards, department store credit cards, revolving lines of credit) is heavily weighted in the FICO® score. FICO® scores evaluate your revolving accounts in a variety of ways, including comparing your balance to your available credit, as well as looking at the number of accounts with a balance. A general rule to remember: consistently carrying lower balances on your revolving trade lines will generate positive points for your score.

This simulation was based on your paying down 90%-100% of your overall balance over a period of 24 months. In general, your score will be helped as your credit history lengthens and you establish FICO® healthy behavior. So your score simulation took into account both your lower balances and the aging of your credit history.

(Remember, even if you pay your credit cards in full each month, the balance shown on your credit report may not be $0. Instead, it will reflect your account balance at the time your lender supplied the update to the credit reporting agency.)