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Type of credit report that shows the actual points your score will go up by if you pay a debt/acct

There is a type of credit report that actually shows you how much your credit score will go up by if you pay a certain debt or account. Does anyone know what kind of credit report that is and where to get one?

  • December 12 2011 - Downtown
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Answers (8)

There are also agencies that can assist you to help remove late payments from your credit score or complaints that don't belong there.  It cost around $250 for each complaint your remove. I think it's well worth it, especially if they can raise you score 50-100 points.  Check out the Kelly Group in New York to learn more.
  • December 12 2011
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Most lenders can have this performed for you through the firm that issues their credit reports. I use funding suite, www.fundingsuite.com I do not know if this service is available to the general public. Click on their link and contact them. ... Good luck.

Happy funding, Rudi
  • December 12 2011
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Profile picture for brtlmj
Try creditkarma.com
  • December 12 2011
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Profile picture for sunnyview
Good idea. There is information on something that sounds like that on MyFICO here, but it's a pay service.
  • December 12 2011
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Myfico.com used to let you run scenarios like that you should visit their site
  • December 12 2011
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Profile picture for sunnyview
There is software that some broker have where they will tell you that if you pay off "X" your score will do "Y". Most good brokers have been in the business long enough to be able to give you a working estimate without that. Some brokers also offer a service called "rapid rescore", but I have heard mixed things about it. You can read more here.

The upshot is that no one can make your score better than you can on your own if the negatives are legitimate, but a knowledgeable mortgage person can make suggestions about what to pay and do to raise your score. MyFICO has some good information about it here.
  • December 12 2011
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Profile picture for Don Greenberg
I don't think you will find anything like that. There is such a vast array of factors that go into your credit score that everyones situation is different. Also no one knows EXACTLY how credit scores are calculated. We have all seen the percentages that factor in to what your report is made up of. Not all debt is neccessarily bad either and just because you pay something off may not increase your score. If you pay off a collections account, that will certainly help. If you pay off that flat screen TV you purchased at Best Buy, then your score probably won't go up. I suggest reading more on credit scores. A fantastic site is fatwallet.com.
  • December 12 2011
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There are no such credit reports that will do this because the programs that generate the credit scores are proprietary.  That being said, there are programs that will give a pretty good idea of what affect various changes to your credit file will have.  Also experienced loan officers and credit counselors will typically be able to give you a good idea of what to expect.
  • December 12 2011
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