Симулятор кредитного скора

How Credit Score Simulation Works

Your credit score is calculated based on five key factors: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). When negative items like late payments, collections, or charge-offs appear on your report, they drag down your score, sometimes by hundreds of points.

Our simulator estimates the potential improvement if these negative items were successfully removed or disputed from your credit reports across all three bureaus, Equifax, Experian, and TransUnion.

Common Negative Items and Their Impact

• Late Payments: Even a single 30-day late payment can drop your score by 15-40 points. Longer delinquencies (60, 90+ days) cause more damage.
• Collections: Unpaid debts sent to collections can lower your score by 50-100+ points, regardless of the amount.
• Charge-Offs: When a creditor writes off your debt, it signals serious delinquency, a 60-110 point impact.
• Bankruptcy: The most severe negative item, potentially reducing your score by 130-240 points.
• Repossession: Vehicle or property repossession can cost you 80-150 points.
• Hard Inquiries: Each application-related credit check costs 5-15 points, though impact fades quickly.

Can Negative Items Actually Be Removed?

Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccurate, unverifiable, or incomplete information on your credit report. Credit bureaus must investigate within 30 days and remove items they cannot verify. Professional credit repair services like Credit Booster use proven dispute strategies to maximize removals, our clients have had thousands of items successfully challenged across all 3 bureaus.