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    off a third of the balance on his cards, he could add as many as 20 points.

    • By failing to make this month's payments on his loan

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    OUR financial decisions can affect your credit score in surprising ways. Two credit-scoring simulators can help consumers understand the potential impact.

    The Fair Isaac Corporation, which puts out the industry-standard FICO scores, offers the myFICO simulator. A consumer with a score of 707 (considered good) and three credit cards would be likely to add or lose points from his score by making various financial moves. Following are some examples:

    • By making timely payments on all his accounts over the next month or by paying off a third of the balance on his cards, he could add as many as 20 points.

    • By failing to make this month's payments on his loan

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    potential impact.

    The Fair Isaac Corporation, which puts out the industry-standard FICO scores, offers the myFICO simulator. A consumer with a score of 707 (considered good) and three credit cards would be likely to add or lose points from his score by making various financial moves. Following are some examples:

    • By making timely payments on all his accounts over the next month or by paying off a third of the balance on his cards, he could add as many as 20 points.

    • By failing to make this month's payments on his loan

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    nsumer with a score of 707 (considered good) and three credit cards would be likely to add or lose points from his score by making various financial moves. Following are some examples:

    • By making timely payments on all his accounts over the next month or by paying off a third of the balance on his cards, he could add as many as 20 points.

    • By failing to make this month's payments on his loan

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    us financial moves. Following are some examples:

    • By making timely payments on all his accounts over the next month or by paying off a third of the balance on his cards, he could add as many as 20 points.

    • By failing to make this month's payments on his loan

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    off a third of the balance on his cards, he could add as many as 20 points.

    • By failing to make this month's payments on his loans, he could lose 75 to 125 points.

    • By using all of the credit available on his three credit cards, he could lose 20 to 70 points.

    • By getting a fourth card, depending on the status of his other debts, he could add or lose up to 10 points.

    • By consolidating his credit card debt into a new card, also depending on other debts, he could add or lose 15 points.

    The other simulator, the What-If, comes from CreditXpert, which designs credit management tools and puts out its own, similar credit score. A consumer with a

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