Pay Down Past Due 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.
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Simulator Results

Your current FICO® Score is 707

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

727 - 747

Pay Down $750 first towards accounts that are past due

Paying your bills on time is a substantial factor affecting your FICO® score. If you have some history of late payments, how recent they occurred is important. The more recently they happened, the more impact they will likely have on your score. As they age, their impact on your score will gradually lessen.

This simulation was based on paying down $750 of your overall balance.

(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.)

Bottom Line: Pay your bills on time.