// how it works
Simulate before you act.
Credit decisions are expensive to reverse. This simulator uses FICO's published factor weights to estimate the direction and magnitude of score changes. Everything runs in your browser — no data leaves your device.
1 · Your current profile
2 · Choose an action
3 · Estimated impact
Current
650
→
Estimated
650
Select an action to see the estimated impact.
Disclaimer: This is an educational estimate based on FICO's published factor weights and common scoring patterns. Actual score changes depend on the full contents of your credit report, the scoring model version, and the lender. This tool does not pull your credit report or guarantee any outcome.