https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5384666#M145576 <P>On wallethub.com, there is a free tool that tells you what happens to your score when you miss your next payment, or when your balance changes, or when you close your account, or when your credit limit changes. The problem is that it's for&nbsp;VantageScore 3.0. Is there the same free tool somewhere for FICO 8?</P><P>I am especially interested with "<SPAN>when your balance changes, or when you close your account".</SPAN></P> Wed, 17 Oct 2018 03:21:17 GMT villemiami 2018-10-17T03:21:17Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5384666#M145576 <P>On wallethub.com, there is a free tool that tells you what happens to your score when you miss your next payment, or when your balance changes, or when you close your account, or when your credit limit changes. The problem is that it's for&nbsp;VantageScore 3.0. Is there the same free tool somewhere for FICO 8?</P><P>I am especially interested with "<SPAN>when your balance changes, or when you close your account".</SPAN></P> Wed, 17 Oct 2018 03:21:17 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5384666#M145576 villemiami 2018-10-17T03:21:17Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5384679#M145577 <P>Simulators are fun to play with but unreliable whether it's FICO or Vantage.&nbsp; I think you can get a free trial to Experian Credit Works which I think has a simulator.</P> Wed, 17 Oct 2018 03:36:34 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5384679#M145577 Anonymous 2018-10-17T03:36:34Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5384683#M145578 <P>Sure.&nbsp; There are tools out there that make those kinds of predictions for FICO 8.&nbsp; They are all highly unreliable, just like the ones for Vantage are.</P><P>&nbsp;</P><P>If you would like advice the best way to get it is to describe your profile in details here and then ask questions.</P> Wed, 17 Oct 2018 03:36:05 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5384683#M145578 Anonymous 2018-10-17T03:36:05Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5385406#M145590 <P>I agree with CGID above.</P><P>&nbsp;</P><P>The well-versed members of this forum will make any credit simulator go cry in the corner.</P> Thu, 18 Oct 2018 01:18:45 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-happens-to-my-FICO-8-score-if/m-p/5385406#M145590 Anonymous 2018-10-18T01:18:45Z