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    Credit Score Simulator

    See how removing negative items from your credit report could improve your score. Select the items on your report and get an instant estimate.

    1What's your current credit score?

    2Select negative items on your report

    Late Payments (30 days)

    Each 30-day late payment can lower your score significantly

    -15 to -40 pts

    Late Payments (60 days)

    60-day late payments carry more weight than 30-day

    -30 to -65 pts

    Late Payments (90+ days)

    Severely derogatory — major impact on your score

    -50 to -85 pts

    Collections

    Unpaid debts sent to collection agencies

    -50 to -100 pts

    Charge-Offs

    Debts written off by creditors as uncollectible

    -60 to -110 pts

    Repossession

    Vehicle or property repossessed by lender

    -80 to -150 pts

    Bankruptcy

    Chapter 7 or Chapter 13 bankruptcy filing

    -130 to -240 pts

    Foreclosure

    Home foreclosure due to mortgage default

    -100 to -160 pts

    Public Record / Judgment

    Court judgments or tax liens on your report

    -50 to -100 pts

    Hard Inquiries

    Each hard credit pull from applications

    -5 to -15 pts

    High Credit Utilization (>50%)

    Using more than 50% of available credit

    -20 to -50 pts

    Your Results Will Appear Here

    Select your current score range and the negative items on your report, then click "Simulate My Score."

    This simulator provides estimates only. Actual score changes depend on your full credit profile. For accurate results, get a professional credit scan.

    How Credit Score Simulation Works

    Your credit score is calculated based on five key factors: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). When negative items like late payments, collections, or charge-offs appear on your report, they drag down your score — sometimes by hundreds of points.

    Our simulator estimates the potential improvement if these negative items were successfully removed or disputed from your credit reports across all three bureaus — Equifax, Experian, and TransUnion.

    Common Negative Items and Their Impact

    • Late Payments: Even a single 30-day late payment can drop your score by 15-40 points. Longer delinquencies (60, 90+ days) cause more damage.
    • Collections: Unpaid debts sent to collections can lower your score by 50-100+ points, regardless of the amount.
    • Charge-Offs: When a creditor writes off your debt, it signals serious delinquency — a 60-110 point impact.
    • Bankruptcy: The most severe negative item, potentially reducing your score by 130-240 points.
    • Repossession: Vehicle or property repossession can cost you 80-150 points.
    • Hard Inquiries: Each application-related credit check costs 5-15 points, though impact fades quickly.

    Can Negative Items Actually Be Removed?

    Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccurate, unverifiable, or incomplete information on your credit report. Credit bureaus must investigate within 30 days and remove items they cannot verify. Professional credit repair services like Credit Booster use proven dispute strategies to maximize removals — our clients have had over 377,000+ negative items removed to date.

    Obtén tu análisis de crédito por solo $1

    Escaneamos los 3 burós, identificamos cada registro negativo y creamos tu estrategia personalizada de eliminación.