FAQ
Is this an official FICO® simulator?
No. This tool is independent and educational. It uses transparent heuristics inspired by public credit factor weightings.
Why is my real score different?
Lenders use different versions (and even custom models). Timing, bureau differences, and unique profile details all matter.
Will this hurt my credit?
Using this site will not affect your credit. It does not access your personal report or perform any credit pulls.
Can I use this for financial decisions?
Use it as a learning aid, not as advice. Always confirm with your official score provider.
Using the Simulator
No. The simulator runs locally. Your test inputs are stored in your browser only.
No. We use transparent educational heuristics to show directional changes, not official scores.
Lenders use different models and bureaus with different report dates. Timing and data furnishers vary.
Privacy & Data
- We do not pull your credit report or ask for account numbers.
- Analytics/ads (if enabled) are described in our Privacy Policy.
- You can clear local simulation data from your browser at any time.
Getting Better Estimates
- Enter a realistic baseline score from your provider.
- Use statement cut dates to time utilization tweaks.
- Avoid new applications during mortgage/auto prep windows.
Updated 2025-10-06
Advanced Scenarios
Keep total utilization under 10% for two cycles, avoid new accounts, and verify posted balances the day after each statement cut. Document your paystubs and ID so rate shopping happens in one focused window.
Months away from applications it’s fine. In the 30 days prior, letting 2–7% report on one anchor card can show responsible use without stress.
It can reduce interest and smooth per‑card spikes, but total utilization and timing still matter. Read fees and keep the snapshot low before statements cut.
Support & Feedback
Spotted a bug or have an idea? Email us at everydayroyalties@gmail.com with your device, browser, and a short description.
Updated 2025-10-06