Miss Payments 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:

582 - 632

Miss Payments on All Accounts With a Payment Due

FICO® scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments and the level of delinquency (how late the payment is).

In this simulation, the impact on your score of missing a payment will depend on your current status and the level of the delinquency. For example, the impact will probably be more substantial if you miss a payment this month, and you currently have a spotless or relatively clean credit report. There will be less impact on the score if you currently have multiple negative items on your credit report.

Bottom Line: Paying your bills on time every month will positively affect your FICO® score over time.