An advanced tool that only experienced financial professionals should use. It simulates the impact of various actions on a consumer’s credit score, enabling experimentation with actions like paying off a balance, closing accounts, missing payments, or updating information. It also can view their potential effects before actually taking the steps that will impact their credit standing. Users can experiment with countless scenarios and view potential effects to determine the best possible option for re-scoring (supplemental work) or determine if work done on the current file would be worth the cost.