Fico scoring tool

Close an old account The limit of closed accounts can't be more than your current total credit limit. Pay off all balances in full Current Credit Score:. Simulated credit score:. You should get discharge from bankruptcy. Since you declared a bankruptcy you should discharge it and then rebuild your credit history. You should settle liens, foreclosures or judgments you have. All liens, foreclosures or judgments should be settled.

Then you can call credit bureaus and ask to remove records about liens, foreclosures or judgments from your credit reports. You should make on-time payments on all your credit accounts for at least 6 months in a row.

Empower your customers to better understand their overall financial health. Realize higher response rates, greater customer engagement and satisfaction, lower attrition, broader use of lower cost channels, and reduced credit losses through more responsible credit behavior. Using the scores that are already resident in your customer database, you create your customer experience through your paper statements, online banking, or mobile channel.

Learn more about how FICO solutions can drive better decisions and better results for your customers and your organization. Giving lenders the ability to identify creditworthy, previously unscorable consumers. Learn more. Customer Development. Your ideal portfolio. Debt Collection and Recovery.

Fraud Protection and Compliance. FICO optimized security and convenience. Scoring Solutions. Concise, easily-understood risk measurement. Why FICO? Leading companies trust FICO.