How to Use What-If Simulator

The What-If Simulator is for users that have a fair understanding of credit information and know exactly what they want to update on the credit report to see how many points they can increase the score by. To use this product, you simply change the credit data in the editable fields and click the Calculate button. Once you click the Calculate button, the system will display the number of points that would potentially be added or subtracted from the credit score.

Possible changes:

  1. Account Balance
  2. Account High Credit
  3. Account Status
  4. Delete Account
  5. Close Account: closed accounts are displayed in gray text
  6. Add a new account (credit cards, student loans, mortgage loans, etc) This will age the credit profile by reducing installment account balances and adding an additional inquiry.
  7. Change Late Date status
  • Tuesday, 08 February 2011