This simulator is for educational scenario planning. It does not reproduce FICO's proprietary scoring model and does not guarantee a future credit score or lender decision.
The uploaded PDF is read in this browser session. The report text and account data are not intentionally saved to local storage by this page. PDF.js is loaded from a public CDN, so an internet connection may be required to load the reader code.
Do not upload a report unless you have permission to use it. Avoid sharing the generated screen or PDF if it contains sensitive financial information.
myFICO 3-Bureau: validated against the sample report used to build this prototype. SmartCredit and IdentityIQ: beta adapters; review every detected value until a sample from those providers is used for validation.
Calculated utilization is an educational metric from detected open revolving balances and limits. A proprietary scoring model may treat some lines of credit, authorized-user accounts, installment balances, collections, inquiries, and account-age factors differently. Score ranges are broad educational estimates only.