Credit Report Simulator

Dispute negative items and watch your score improve

580

Payment History (35%)

Capital One Credit Card

Account #: ****1234 | Opened: Jan 2020

Negative Impact

30 days late payment - March 2023

Chase Auto Loan

Account #: ****5678 | Opened: Jun 2019

Negative Impact

60 days late payment - August 2023

Wells Fargo Credit Card

Account #: ****9012 | Opened: Mar 2018

Negative Impact

90+ days late payment - December 2022

Collections

ABC Collections Agency

Original Creditor: Verizon Wireless

Negative Impact

Collection amount: $850 | Date: February 2023

Midland Credit Management

Original Creditor: Best Buy Credit Card

Negative Impact

Collection amount: $1,240 | Date: September 2022

Portfolio Recovery Associates

Original Creditor: Medical Center

Negative Impact

Collection amount: $425 | Date: June 2023

Charge-offs

Bank of America Credit Card

Account #: ****3456 | Opened: May 2017

Negative Impact

Charge-off amount: $2,500 | Date: October 2022

Discover Card

Account #: ****7890 | Opened: August 2018

Negative Impact

Charge-off amount: $1,800 | Date: December 2022

Public Records

Chapter 7 Bankruptcy

Case #: 2022-12345 | Court: District Court

Negative Impact

Bankruptcy filing - January 2022

* This is a hypothetical simulation for educational purposes only. Actual credit repair results may vary significantly based on individual circumstances, credit history, and other factors. We do not guarantee any specific outcomes or credit score improvements. Past performance does not indicate future results.