Simulate credit changes. Boost mortgage options.
Fico Score Mortgage Simulator
Smarter Simulations. Stronger Mortgage Decisions.
The FICO® Score Mortgage Simulator is a powerful new tool designed to help mortgage professionals simulate how changes in credit behavior may impact a borrower’s FICO® Scores used in mortgage lending.
Built by FICO’s leading Analytic Scientists, this simulator leverages the actual FICO® Score 2, 4, and 5 algorithms — making it the most accurate simulator available for mortgage credit scenarios.
- Simulate credit behavior changes across one, two, or all three bureaus
- Provide insights into how actions like paying down debt or resolving collections may affect FICO® Scores
- Help applicants improve creditworthiness to access better loan terms and rates
- Deliver a personalized plan of action to support home financing goals
Available Simulation Scenarios
Version 1.0 includes:
- Pay down or pay off balances
- Delete third-party collections
- Update derogatory tradelines to “paid”
- Improve delinquent account status
- Remove account disputes
Coming Soon:
- Increase account balance
- Delete accounts
- Remove disputes from collections
- Simulate passage of time
- Add new accounts
- Remove historical delinquencies
- Generate a personalized “Best Action” plan
