FICO Score Simulator 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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FICO® Score Simulator

This is a sample. Actual results will depend on your true FICO® score. To obtain your FICO® score and gain access to your personalized FICO® Score Simulator, click here.

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.

Simulations are based on data from this report:
FICO® score 707
Credit bureau Equifax
Report date November 20, 2014

Your Best Course of Action

Simulate best action

Guesswork won't help your FICO® score any more than a crystal ball. So let's take a look at the single most effective action you can take to help your FICO® score and how high might your new score be.

Actions that typically help your FICO Score

Pay Down the Balances on All Your Credit Cards

See how your FICO® Score may change if you pay down the balances on all your Revolving/Open Accounts, including:

  • Credit cards
  • Department store cards
  • Oil company cards
  • Open lines of credit

You currently have a combined revolving balance $680.

Simulate how your FICO® score might change if you pay down:

$ every month for months.

  OR

$ of your total revolving balance.

Simulate FICO Score

The balance shown above may not include amounts currently in dispute or bad debt/collection balances.

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

Seek New Credit

See how your FICO® Score might change if you:

Apply for and receive a new credit card with a credit limit of: $

Apply for and receive a new mortgage in the amount of: $

Apply for and receive a new auto loan in the amount of: $

Apply for instant credit at a department store.

Simulate 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

Miss Payments

See how your FICO® Score might change if:

You miss payment this month on an account that is currently paid up-to-date.

You miss payments this month on all accounts for which a payment is due.

You declare bankruptcy.

Simulate 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.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
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Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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