Score Simulator · FICO 8 Factor Model
Tune payment history, utilization, age, new credit, and mix — then watch your modeled FICO 8 score update in real time.
SIMULATOR
Change each factor and the modeled score updates immediately. Use it to plan the next move on your accounts.
ADJUST YOUR FACTORS
ESTIMATED SCORE
FACTOR CONTRIBUTION (0–100 SCALE)
MODEL DIFFERENCES
Different scoring models can treat the same information differently. These are broad model-level distinctions rather than predictions of how a particular lender will score an application.
FICO 9 treats paid medical collections differently from FICO 8.
FICO 9 does not count paid third-party collection accounts in the same way as FICO 8.
FICO 9 can incorporate rental payment information when qualifying rental data is furnished.
FICO 8 remains widely used, although lenders may use different scoring versions for different products.