Terms of Use

Effective date: July 19, 2026

What this site is

FreeCreditScoreSimulator.com provides a free, browser-based educational tool that estimates an approximate FICO®-style credit score range from information you enter, and related educational content. By using the site you agree to these terms.

Not advice, not your real score

The simulator produces an estimate based on a simplified model of publicly documented scoring factors. It is not your actual credit score, does not access your credit report, and may differ materially from any score a lender uses. Nothing on this site constitutes financial, credit, legal, or tax advice, and nothing here creates any advisor–client relationship. Always verify important decisions against your real credit reports and scores.

No guarantees

The site is provided "as is" without warranties of any kind, express or implied, including accuracy, availability, fitness for a particular purpose, and non-infringement. We do not guarantee any particular score outcome from actions the simulator models.

Acceptable use

You may not attempt to disrupt the site, probe or abuse the contact endpoint, scrape at abusive volume, or misrepresent the tool's output as an official credit score.

Intellectual property

The site's code, design, and content belong to the site operator. FICO® is a registered trademark of Fair Isaac Corporation. This site is not affiliated with, endorsed by, or sponsored by Fair Isaac Corporation, Experian, Equifax, TransUnion, or any lender; trademarks are used only to identify the scoring model being discussed.

Limitation of liability

To the maximum extent permitted by law, the site operator is not liable for any damages arising from use of, or reliance on, this site or its estimates. Your sole remedy for dissatisfaction with the site is to stop using it.

Changes

These terms may be updated from time to time; the current version is always posted here with its effective date.

Contact

Questions about these terms? Use the contact form.