Free Credit Score Simulator
Discover how much your credit score could improve after removing negative items. No credit check required. Results in seconds.
Late Payments
3 item types30-Day Late Payments
+15-40 pts each
60-Day Late Payments
+25-55 pts each
90+ Day Late Payments
+35-75 pts each
Negative Accounts
3 item typesCollection Accounts
+50-110 pts each
Charge-Offs
+60-120 pts each
Civil Judgments
+50-100 pts each
Major Derogatory
3 item typesBankruptcies
+130-200 pts each
Foreclosures
+85-160 pts each
Repossessions
+70-135 pts each
Credit Inquiries
1 item typeHard Inquiries
+5-15 pts each
Ready to See Your Potential?
Use the + and - buttons to tell us how many of each negative item you have on your credit report. We'll calculate your potential score improvement instantly.
How the Simulator Works
Our simulator uses industry data to estimate your potential score improvement
Enter Your Current Score
Use the slider to set your approximate current credit score
Select Negative Items
Tell us what types of negative items are on your credit report and how many
See Your Potential
Get an instant estimate of how much your score could improve
Ready to Make It Real?
The simulator shows what's possible. Let our credit repair experts make it happen. Schedule your free consultation today.
* This simulator provides estimates based on industry averages. Actual results may vary based on individual circumstances, credit history, and other factors. This is for educational purposes only and does not guarantee specific outcomes.