I recently found this tool available to me at my experian account. Pretty useful!
Much of what I learned through years of experiences/self education are summarized AND simulated in this tool.
Wished that I had this earlier, so I’m eager to share this with you 🙂 I pay experian $7.99 monthly to monitor my credit and have access to this tool. But you may be able to find a free version. If you find a free FICO score simulator, please share in comment area so we can all benefit from it. (by the way, Experian is NOT paying me for sharing this tool with you.) So I’m all for a free version of the score simulator.
Top is my current credit score.
Bottom is my FICO score in 12 months if I keep the course (ie same debt/limit ratio, same accounts) and just make all payments on time.