FICO + VantageScore Simulator — Clear All Credit Repairs

Your current credit score

Enter the FICO score on your report today. Don't know it? Check Credit Karma, Experian, or your bank app.

What's on your report

Count the negative items across your 3 bureau reports. Pull them free at annualcreditreport.com.

📛 Collections

❌ Charge-Offs

⏰ Late Payments

What if we delete these?

Pick a scenario — see your potential score if we remove everything, or set a specific number.

🗑️

Delete Everything

Best-case: all items removed

✏️

Delete Specific #

Set how many of each

Credit card utilization

This is 30% of your FICO score and 20% of your VantageScore. Maxed cards cost you 150+ points — even with a clean report.

💳 Total Credit Limits

💰 Current Balances

Current Utilization

85%

❌ Killing your score — pay down ASAP

🎯 What you'll pay balances down to

Target Balance

Target Utilization

✅ FICO-perfect — maximum boost

Can't pay down cash? Call your card issuer and ask for a limit increase — same balance on a higher limit = lower utilization = higher score.

How many positive accounts are on your file?

Count every account in good standing — open credit cards, auto loans, mortgages, student loans, personal loans, and authorized user lines. This drives 15-20% of your score (Depth of Credit).

✅ Positive / On-Time Accounts

0 (thin)51015+ (thick)

Decent File

5 positive accounts — enough depth for prime-rate approvals

🏆 Add a Premium Tradeline Seasoned high-limit authorized user line (+15-35 pts depending on file depth)

Why positive accounts matter: A thick file (10+ accounts) with no negatives can push scores to 780+. A thin file (<3 accounts) caps out around 720 even if perfectly clean — tradelines are the shortcut to thicken the file fast.

Your Projected Score Range

730–760

+180 to +210 pts

Good to Very Good — qualifies for most loans at prime rates

FICO 8 Estimate

745

VantageScore 4.0

752

📊 Where the points come from

Paying down credit cards+0

Negative items removed+0

Positive account depth+0

Tradeline boost+0

Want to make this real?

Start with a free intake. We'll pull your actual reports and build a custom dispute roadmap with exact numbers.

Start My Free Intake Call (619) 882-0259

*Estimate based on a blended FICO 8 + VantageScore 4.0 model. Actual results vary by credit profile, payment behavior, account age, inquiries, and reporting cycles. CROA prohibits guaranteed score outcomes.