This simulator takes three inputs from the user:

1. Hypothetical credit score.
2. Annual income (in USD).
3. Credit utilization ratio (as a percentage).

Based on these inputs, the simulator calculates a hypothetical credit score using a simple formula:

• Multiply the annual income by 1 minus the credit utilization ratio (as a decimal).
• Divide the result by 1000 and round to the nearest whole number.

This simulator provides users with a basic understanding of how credit scores might be affected by income and credit utilization. However, please remember that real credit scoring models are much more complex and consider a wide range of factors beyond income and credit utilization.