Let's take a look at how certain actions can affect your FICO® score. To use the simulator, choose any action below. Enter your data in the spaces provided. Then, click "Simulate FICO® score" to show how your score is affected. Try all action buttons and entering different data to see various results.
Actions that typically help your FICO Score
Pay Down Delinquent Balances First
See how your FICO® score might change if you first pay down balances on accounts that are currently past due.
According to your Credit File you have a total balance of
$0 on accounts that are currently delinquent.
Simulate how your FICO Score might change if you pay down:
of your delinquent balance
Simulate FICO Score
Remember that even if you pay off the full balance on your credit cards every month, the balance reported on your credit record may not necessarily be $0, but may reflect your most recent balance as reported to the credit bureau.
Pay Your Bills on Time
Assuming that balances on all your accounts do not change, see how your FICO® score will change if you pay all your bills on time for the next:
Simulate FICO Score Actions that can sometimes (but not always) help your FICO Score
Transfer Credit Card Balances
See how your FICO® Score might change if you:
Apply for and receive a new credit card with a credit limit of: $
and you consolidate credit card balances to it.
Simulate FICO Score Actions that typically hurt your FICO Score
"Max Out" Your Credit Cards
See how your FICO® Score might change if you "max out" all your revolving credit accounts (including credit cards, store cards, and lines of credit).
"Max out" means to run up the balances on all your revolving credit accounts close to their limits.
Simulate FICO Score
The results of the Simulator are intended to approximate the impact of various actions on your FICO® score if everything else stayed the same. Your actual score, and the results of any particular action, are the result of a complex interaction of the information stored in your credit report, some of which changes on a daily basis. The Simulator is provided for informational purposes only and should not be expected to provide accurate predictions in all situations. Please note that the results of different simulations are not necessarily cumulative. In other words, taking two separate actions, each of which could raise your FICO® score by 20 points, will probably not mean that your FICO Score will go up by 40 points.