How to use this simulator

Enter your credit balances and credit limits below.  For installment loans you have to use the registered user version of this page which is a lot more useful.  See our Facebook Page for signup details.


This is a limited simulator

Your entries are NOT saved.  If you refresh the page your data entries are erased.  If you want to track your data long term, I do offer a richer and more data-focused simulator that saves your data (anonymously) but you need to register an account here.  To register an account, please visit our Facebook Page for details.

Important: 850x3 is an entertainment tool only.  850x3 is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 850x3 does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.

Credit TypeCreditorOpen Date
To 88.9%To 48.9%To 28.9%To 8.9%To $0
Credit Card Pay-off amounts:

Things To Do

Any text with a green background means you’re perfect!  Yellow background means you’re not quite there yet, and anything with a red background should be dealt with as soon as possible.