FFICO.BOT
FICO.BOT · LIVE
№ 003 / 850
VOLUME I · A FIELD GUIDE TO CREDIT

Threehundredto eight-fifty.

A workshop for the chronically under-explained number that decides rents, rates, and reputations. Model the move before the lender does.

OPEN THE SIMULATOR↗READ THE ATLAS
550
point spectrum
05
weighted factors
717
U.S. median
FICO® SCORE
580
Fair
300—850
◤ 300
850 ◥
◣ FICO®
LIVE ◢
BENCHMARKS
AVG 717
TOP 800+
21% EXCEPTIONAL
UTIL <10%
INQUIRY −5
CHARGE-OFF 7Y
AVG 717
TOP 800+
21% EXCEPTIONAL
UTIL <10%
INQUIRY −5
CHARGE-OFF 7Y
FACTORS
PAYMENT
35
UTIL
30
AGE
15
MIX
10
NEW
10
SCROLL · TO ENTER THE WORKSHOP↓VOL. I — CH. 01
AVG U.S. FICO 717 TOP TIER 800+ 21.2% OF AMERICANS ARE EXCEPTIONAL PAYMENT HISTORY = 35% UTILIZATION SWEET SPOT < 10% AGE OF OLDEST ACCOUNT MATTERS NEW INQUIRY ≈ −5 PTS CHARGE-OFFS LINGER 7 YEARS BANKRUPTCY UP TO 10 YEARS AVG U.S. FICO 717 TOP TIER 800+ 21.2% OF AMERICANS ARE EXCEPTIONAL PAYMENT HISTORY = 35% UTILIZATION SWEET SPOT < 10% AGE OF OLDEST ACCOUNT MATTERS NEW INQUIRY ≈ −5 PTS CHARGE-OFFS LINGER 7 YEARS BANKRUPTCY UP TO 10 YEARS
/ 01 — THE TOOLKIT

Six rooms in the workshop.

Each module is a focused page. Open one, leave the others quiet. Nothing buried in tabs.

/01ATLAS

Score Range Atlas

Walk the 300–850 spectrum. Approval odds, APR ranges, and what each tier actually unlocks.

Enter→
/02WHAT-IF

What-If Simulator

Pay down a card. Open new credit. Close the oldest account. Watch the model react.

Enter→
/03PLAYBOOK

Boost by X Points

Tactical plays for +20, +50, +100 points — ranked by effort and elapsed time.

Enter→
/04MATCH

Card Matcher

Filter the issuer landscape by your tier. From secured starters to titanium metal slabs.

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/05LAB

Dispute Lab

Templated FCRA letters for late-pays, mixed files, identity errors. Ready in 90 seconds.

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/06GLOSSARY

Vocabulary

FICO 8 vs FICO 9 vs VantageScore. Hard pulls, soft pulls, AAoA, and other acronyms decoded.

Enter→
A
/ 02 — THE SPECTRUM

300 to 850, demystified.

300–579
Poor

Lenders see elevated risk. Secured cards and credit-builder loans are your runway.

580–669
Fair

Subprime territory. Approvals exist, but pricing is unkind.

670–739
Good

The U.S. average. You qualify for most prime products.

740–799
Very Good

Below-average risk. Premium cards open up. Mortgage tier improves.

800–850
Exceptional

Top 21% of consumers. Best pricing, highest limits, concierge offers.

/ 03 — THE PHYSICS

Five forces, unevenly weighted.

Treat your score like an engine. Each factor is a piston with different displacement. Spend your effort where the math earns you the most.

Read the Boost Playbook
Payment History35%
Amounts Owed30%
Length of History15%
Credit Mix10%
New Credit10%

Stop guessing. Start modeling.

Run a what-if before you call the lender. The simulator is built for chronic over-thinkers.

Launch Simulator →