You will need an active credit report to use the simulator.
Paid subscribers can find the FICO® Score Simulator by logging in to your account and clicking on the Simulator tab.
With the FICO Score Simulator, you can choose from 24 score simulations and automatically see a simulated FICO® Score 8 based on the actions you choose.
Premier subscribers have access to our FICO Score 8 Simulator as well as our FICO mortgage scores simulator