Last updated: July 3, 2026
Let's be direct: no website can 'check your credit score' without pulling your data. This one doesn't try — and doesn't ask.
ScoreSimPro is a simulator: pick an action you're considering — pay down a card, open a new one, close your oldest — and see the typical direction and size of the impact, based on how FICO weights its factors.
Your real score is available free from most card issuers; your reports from annualcreditreport.com. Use us for the what-if, them for the number.
We publish only what we can stand behind: figures are labeled indicative when they move fast, comparisons state their criteria, and affiliate relationships never decide a verdict. Corrections: idocanfi@gmail.com.