CK is TU based. I can never get the simulator on there to work either. No matter what I put in, it gives me a +1 point.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Starting Score: ~500 (12/01/2008)It's not uncommon for FAKO and FICO scores to trend in opposite directions. I've seen my Vantage score go up 30 points the same day that my Transrisk score dropped 60 points, all the while my FICO never changed. You're just not going to be able to gain much information at all about what your FICO score is likely to do based on a change in your FAKO, much less an estimated change in your FAKO.
There are two cc's that are not yet reporting to experian. So I have a total of 4, and AU on 1.
Sorry, I am not sure what OC means, I am assuming something with collection accounts?
Right now my util is about30-40%, and when the new CC's report, it should drop, not sure how much.
My AAoA went from 2 years 2 mo to 1 year 3 mos when two of the cards hit my CR.
Sorry, I am still fairly new and trying to learn all of the lingo and acronyms! I am trying to understand as much about credit as I possibly can(even double majoring in credit/finance and nursing!) so please, go easy on me 
jdirilo wrote:What exactly is it? I'm understanding that an EX fico is nonexistent for us to check on our own? I ask because I disputed a few things on my EX cr and it has been updated, and 2 new cc's have been added since, and a new car loan will be added soon. I want to see the difference. When the CU ran my EX, it was 566. I tried using the credit simulator on CK but its not working(and I know its not accurate anyway, but just wanted an idea). I am curious to see how the new credit will help or hurt me. Thanks!
It is not totally nonexistant. If you have access to a CU in PA (PSECU) you can get your EX FICO for free monthly. You have to be a PA resident to get in. There are people experimenting with a loophole to get in. you can find out about this on this link:
http://ficoforums.myfico.com/t5/Credit-Cards/Would
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