Enter your profile, run what-if scenarios across every major model.
Projected score per bureau under your what-if scenario.
| Model | TU | EX | EQ |
|---|---|---|---|
VantageScore 3.0 Broad consumer lending | 300 300–321 +0 | 300 300–319 +0 | 302 302–323 +2 |
VantageScore 4.0 Trended data aware | 301 300–321 +1 | 300 300–319 +0 | 303 302–323 +3 |
FICO 8 Most widely used FICO | 300 300–320 +0 | 300 300–318 +0 | 302 302–322 +2 |
FICO 9 Reduced impact of paid collections | 310 300–332 +10 | 308 300–330 +8 | 312 302–334 +12 |
FICO 10 More predictive risk analysis | 300 300–320 +0 | 300 300–318 +0 | 302 302–322 +2 |
FICO 10T Trended balance behavior | 300 300–321 +0 | 300 300–319 +0 | 302 302–323 +2 |
Projected at 300
Building phase
Your biggest lever right now is "revolving utilization" — currently modeled at +0 points. Utilization is already in a healthy band; focus next on aging inquiries and building payment history.
10Up10Down™ provides educational estimates based on consumer-provided information. Credit scoring companies use proprietary formulas — actual scores may vary. This is an educational simulation tool. It does not provide guaranteed score increases and does not replicate proprietary scoring formulas.