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Understand your credit. Simulate your future.
Model how real financial decisions may move your score across VantageScore 3.0, 4.0 and FICO 8, 9, 10 and 10T — all in one place.
Educational simulation tool. Does not provide guaranteed score increases and does not replicate proprietary scoring formulas.
The platform
Everything your credit deserves.
A modern consumer credit workspace built to model outcomes, not sell products.
Multiple input methods
Enter manually, paste, or upload your credit report. AI parsing coming to extract accounts and balances automatically.
Multi-model simulation
Model outcomes across VantageScore 3.0/4.0 and FICO 8, 9, 10, and 10T — including trended-data models.
AI Credit Coach
Understand why your score sits where it does and which action has the highest projected impact for your profile.
Mortgage & auto readiness
See when your projected profile crosses FHA, conventional, and auto-lending thresholds.
Educational & transparent
No proprietary claims. Every projection includes drivers, confidence range and disclosures.
API-ready foundation
Architected for credit bureau APIs, monitoring services, and open banking integrations.
Scoring models
Every score, one workspace.
Because lenders use different models — and consumers deserve to see what each one sees.
Broad consumer lending model
Trended data & modern behaviors
The most widely used FICO
Reduced impact of paid collections
More predictive risk analysis
Balance movement & trended data
How it works
From your report to a real plan in minutes.
Enter your credit profile
Manual, paste, or upload. Capture scores, balances, tradelines and derogatory marks.
Choose a scoring model
VantageScore 3.0/4.0 or FICO 8, 9, 10, 10T — plus mortgage & auto readiness modes.
Run what-if scenarios
Pay down cards, remove collections, add tradelines, model 12 months of on-time payments.
Get a projected range
See a confidence range, the top drivers, and coaching from your AI Credit Coach.
Ready to see what your score could become?
Launch the simulator. No account required to try — no credit pulls, no impact to your file.