Pick the accounts that matter
Start from the analysis. Scorecast shows which cards carry the most utilization and which items are derogatory, so the agent knows which scenario to try first.
Explore ScorecastScore Simulator
Show where a score could go.
Run what-if scenarios while the consumer is on the line: pay down a card, settle a collection, close an account. The Score Simulator estimates how each change could move their score, so you can compare paths together.
Simulated scores are estimates, not guarantees.
Sample data
What-if scenarios
Three questions consumers ask on every call.
Each scenario starts from the consumer's own pulled report, not a generic example.
What if I pay this down?
Lower a balance and see an estimate of how reduced utilization could affect the score.
What if I settle this?
Model settling a collection or charged-off account and compare the estimated result.
What if I close this account?
See how closing an account could change the picture, before anyone picks up the phone to do it.
On the call
How agents use the simulator in a conversation.
At a glance
- Scenarios run on the consumer's pulled report.
- Compare more than one path side by side.
- Language stays honest: could, estimate, what-if.
- Pair it with Scorecast to pick which accounts to model.
Model the change together
Adjust a balance, mark a collection as settled or close an account, and show the estimated effect. The consumer sees options instead of hearing a pitch.
Simulated scores are estimates, not guarantees.
Sample data
Compare paths, then decide
Run more than one scenario and talk through the tradeoffs. The goal is a choice the consumer understands, not a number they were promised.
Review it together with ClearViewWhy estimates
Honest numbers build more trust than big ones.
A credit score depends on the whole file and on how each creditor reports changes over time. No tool can promise where a score will land, and the simulator doesn't pretend to.
What it can do is show the direction and rough size of a change, so the consumer can weigh one path against another. That's why every result is labeled an estimate.
- Say: this could raise your score.
- Say: here's an estimate if you pay this card down.
- Avoid: this will raise your score.
- Avoid: you'll be at a specific number by a specific date.
Questions about Score Simulator.
Are simulated scores guaranteed?
No. Simulated scores are estimates, not guarantees. Actual results depend on the consumer's full credit file and how each creditor reports.
Which scenarios can we run?
What-if changes like paying down a balance, settling a collection or closing an account, applied to the consumer's pulled report.
Does running a scenario pull the report again?
No. Scenarios run on the report you already pulled.
How should agents describe the results?
As estimates. Use words like could and what-if, and never tell a consumer their score will reach a specific number.
Can a debt relief team use it to show what a program will do for credit?
No. Debt settlement programs often involve missed payments, which can lower scores during the program, and the simulator doesn't model that. It estimates single changes to the current report. Never present a simulated result as the effect of enrolling.
Run a what-if on a live call.
Book a demo and we'll model a few scenarios on a sample report. Simulated scores are estimates, not guarantees.