Found this on web, The FICO® Score Estimator

[Anonymous]

URL = http://www.bankrate.com/brm/fico/calc.asp?lpid=BKRATE29

What follows are examples of the prompted questions;

1. How many credit cards do you have?

 I have never had a credit card
 1
 2 to 4
 5 or more

Follow up: How long ago did you get your first credit card?

 less than 6 months ago
 between 6 months and 2 years ago
 2 to 4 years ago
 4 to 5 years ago
 5 to 8 years ago
 8 to 10 years ago
 10 to 15 years ago
 15 to 20 years ago
 more than 20 years ago

 
2. How long ago did you get your first loan?

(i.e., auto loan, mortgage, student loan, etc.)

 I have never had a loan
 less than 6 months ago
 between 6 months and 2 years ago
 2 to 5 years ago
 5 to 10 years ago
 10 to 15 years ago
 15 to 20 years ago
 more than 20 years ago

3. How many loans or credit cards have you applied for in the last year?

 0
 1
 2
 3 to 5
 6 or more

4. How recently have you opened a new loan or credit card?

 less than 3 months ago
 between 3 and 6 months ago
 more than 6 months ago

 
5. How many of your loans and/or credit cards currently have a balance?

 0 to 4
 5 to 6
 7 to 8
 9 or more

6. Besides any mortgage loans, what are your total balances on all other loans and credit cards combined?

As an example, let's say you have two accounts:
One auto loan with balance of $7,000
One credit card with balance of $1,500
Your total balances on all non-mortgage accounts would be: $8,500 ($7,000 + $1,500).

 I have only mortgage loan(s)
 Less than $500
 $500 to $999
 $1,000 to $4,999
 $5,000 to $9,999
 $10,000 to $19,999
 $20,000+

7. When did you last miss a loan or credit card payment?

 I have never missed a payment
 in the past 3 months
 3 to 6 months ago
 6 months to 1 year ago
 1 to 2 years ago
 2 to 3 years ago
 3 to 4 years ago
 more than 4 years ago

8. How many of your loans and/or credit cards are currently past due?

 0
 1
 2 or more

Follow up: What are your total balances on all currently past due accounts?

 Less than $250
 $250 to $499
 $500 to $4,999
 $5,000+

9. What percent of your total credit card limits do your credit card balances represent?

As an example, let's say you have two credit cards:
One with balance of $273 and limit of $1,000
One with balance of $737 and limit of $4,000
Your total credit card balances would be $1,010 ($273 + $737), your total credit limits would be $5,000 ($1,000 + $4,000), and the percent of your total credit limits that your credit card balances represent are: $1,000 divided by $5,000, or 20%.

 I have never had a credit card
 0% to 9%
 10% to 19%
 20% to 29%
 30% to 39%
 40% to 49%
 50% to 69%
 70% to 89%
 90% to 99%
 100% or higher

10. Please indicate if you have ever gone through any of the following negative financial events in the last 10 years: bankruptcy, tax lien, foreclosure, repossession, or account referred to collection agency.

 Yes
 No

[Anonymous]

It's an estimator based on an assumed average. Not actually how you are scored exactly. But there are valuable things you can learn from it as some things are very true.

[Anonymous]

Well I filled it out and they had my score range of 715-765 my real scores are 719-738.  The fomula could be as accurate as the real fico but you would only know if more people completed the survey and did it truthfully and shared their results

[Anonymous]

It was way off for me. hehe. Reported lower because of age of accounts. I think it was based on an assumed sum. For example. Assuming someone had a car loan back 20 years it was more likely they had other loans since then. If no car loan, probably no others. ect... Not an actual formula. But I still learned some true facts and tested them. My score went up as a result of learning that simulator!!!

I use simulators to learn what can be a negative factor holding me back, rather than how high I can go. That has really REALLY been working for me.

Message Edited by ilovepizza on 07-06-2007 10:24 AM

[MidnightVoice]

I tried it and it was reasonably close to what I get from EQ and TU.

Of course, EX is 60 points lower than it should be, but then what else can you expect from EX?

[Anonymous]

says my score should be higher than what it is alot higher

Message Edited by jenkins on 07-08-2007 11:07 AM

[Anonymous]

i used this thing a few weeks ago, and dammit, it said i should be king fico!  guess again, sucker.

[Neblett]

Mine was frighteningly accurate!

[Anonymous]

mine was correct. my problem is FICO kills me because i utilize 4% or better annual rates on credit cards, using the money to pay down 8% mortgages. my score is around 664.

when i input (a lie) i have almost no credit card debt, my score shots up to 755 to 805 

i have some planning to do, lol.

[Anonymous]

My real score was right at the low end of the range the calculator gave me. I'm shocked!