Credit Score Simulator

Collections directly damage your Payment History (35% of FICO). Paying or disputing them can trigger a significant score jump.

FICO: Payment History (35%)

A single 30-day late can drop your score 60–100 pts. Requesting removal via goodwill letter or FCRA dispute reverses the damage.

FICO: Payment History (35%)

Six consecutive on-time payments begins to rebuild payment history, especially powerful after prior delinquencies.

FICO: Payment History (35%)

A full year of perfect payment history is the bedrock of credit rebuilding. Combines powerfully with dispute wins.

FICO: Payment History (35%)

Increasing your credit limit without changing your balance instantly lowers your utilization ratio — the #2 FICO factor.

FICO: Amounts Owed (30%)

Under 10% utilization is the FICO sweet spot. This is the fastest score booster that doesn't require any waiting.

FICO: Amounts Owed (30%)

Charge-offs are among the most damaging items on a report. Removing one via FCRA/Metro 2 dispute can be your single biggest score event.

FICO: Payment History (35%)

Being added to an account with long perfect history instantly boosts your average account age and payment history.

FICO: Credit History Length (15%)

Adds a new open positive tradeline. Small initial dip from hard inquiry, then steady growth as history builds.

FICO: Credit Mix (10%) + New Credit (10%)

Hard inquiries each cost ~5 pts. Disputing unauthorized inquiries or waiting for them to age off provides a real — if modest — boost.

FICO: New Credit (10%)