Credit score simulation

A computer-implemented method for simulating a financial risk score, the method comprising:

• using a computer processor to generate a first simulated financial risk score that is based at least in part on a plurality of consumer financial data that is stored in a tangible computer-readable medium and that comprises at least first account-specific data regarding a first account associated with a consumer and second account-specific data regarding a second account associated with the consumer;
• presenting a user with at least one recommended account-specific hypothetical modification to the plurality of consumer financial data and presenting to the user an option to choose the recommended account-specific hypothetical modification to the plurality of consumer financial data, wherein the account-specific hypothetical modification relates to one of the first account-specific data or the second account-specific data;
• receiving from the user information indicative of at least one hypothetical modification to the plurality of consumer financial data and storing the information in a tangible computer-readable medium;
• using a computer processor to generate a second simulated financial risk score that is based at least in part on the plurality of consumer financial data and the at least one hypothetical modification;
• outputting for display the second simulated financial risk score;
• and
• presenting to the user a user interface element that helps the user perform an action to change the consumer financial data to reflect the selected hypothetical modification, wherein the action comprises applying for new credit;
• wherein the method is performed via processor execution of instructions stored on a tangible computer-readable medium.