Has anyone had any experience with actually following through on the myFico Score Simulator, and seeing how close it came? I have a charged off Cap1 that I owe $951 on, and the simulator said that paying this off will raise me between 80-120 on EQ and 60-100 TU. While I know these scores seem unrealistic, paying this would move util from 234% and 478% respectively down to 0% on both. Cap1 will fall off in a year and a half, so I don't want to waste the $1000 if it won't do any good. Anyone have any advice? Thanks.