Fico Score Simulator

Real FICO scores aren’t free. If you just want to get a feeling of what your Fico score is without having to pay for it, your only option is to use this free Fico Score Simulator from FICO®.

You’ll only need to answer 10 multiple-choice questions (depending on your answers – a few follow up questions may follow), based on the five categories of information that the FICO Score Formula takes into account.

Before you start have your credit report handy because the answers to all of the questions are based on the information that’s on your credit report.

At the end of the questionnaire you will be given a credit score range in which your Fico score falls. You can then go back, change a few answers to simulate different credit scenarios and see how they affect your Fico.

Keep in mind that the Fico Score Simulator is provided ONLY for educational purposes, and it doesn’t guaranty that your real FICO score falls within the range supplied.

Side Note: You need to be older than 18 and must have at least one credit card in your name for at least 6 months in order to have a FICO score. If you’re young or prefer to use cash, it is very likely that you don’t have a score.