What happens to my FICO 8 score if...

[villemiami]

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 VantageScore 3.0. Is there the same free tool somewhere for FICO 8?

I am especially interested with "when your balance changes, or when you close your account".

[Anonymous]

Simulators are fun to play with but unreliable whether it's FICO or Vantage.  I think you can get a free trial to Experian Credit Works which I think has a simulator.

[Anonymous]

Sure.  There are tools out there that make those kinds of predictions for FICO 8.  They are all highly unreliable, just like the ones for Vantage are.

If you would like advice the best way to get it is to describe your profile in details here and then ask questions.

[Anonymous]

I agree with CGID above.

The well-versed members of this forum will make any credit simulator go cry in the corner.