Toggle hypothetical credit changes and our AI predicts the exact FICO impact — based on real scoring methodology. No sign-up required.
Toggle Changes to Simulate
Pay off / remove a collection account
Payment History (35%) · Est. +40 to +100 pts
Lower credit utilization
Amounts Owed (30%) · Est. +20 to +80 pts
Remove a late payment (30–90 days)
Payment History (35%) · Est. +15 to +60 pts
Remove a charge-off account
Payment History (35%) · Est. +30 to +90 pts
Remove a bankruptcy (discharged debt)
Public Records · Est. +50 to +150 pts
Remove hard inquiries (1–3)
New Credit (10%) · Est. +5 to +25 pts
Open a new credit card
Credit Mix and New Credit · Est. +10 to +30 pts
Pay down revolving balances by 50%
Amounts Owed (30%) · Est. +15 to +55 pts
Dispute duplicate student loan entries
Payment History (35%) · Est. +20 to +70 pts
Remove medical debt (CFPB 2025 rule)
Amounts Owed and Collections · Est. +10 to +45 pts
Current
Projected
Toggle changes on the left to simulate
Simulation uses AI modeling based on FICO methodology. Actual changes depend on your specific credit file. Not a guarantee of results.
Upload your credit report and our AI will dispute the exact negative items you simulated removing — hands-free.