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.


742 777

FICO score simulator, awesome tool!

2 thoughts on “FICO score simulator, awesome tool!

  • March 16, 2015 at 8:09 pm

    While it’s not from Experian, this is a free credit report website. I haven’t looked much into it, but wanted to at least share the resource:

    https://www. creditkarma.com/

    • March 18, 2015 at 11:07 am

      Thanks for doing this Amy!


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