Fico score simulator

[Anonymous]

It was right on the money for me too. My TU & EQ are pretty much the same, EX has a few CO an I ran it again for EX and it was also correct.

[Anonymous]

I ran it with 8.6 yr old Bk  695-745  I am right in middle except for EQ which has given me 698 for months now.

Then I ran it w/o BK  750-800. So they are still taking 55 pts off for old BK.

[Anonymous]

I notice that the simulator/estimator gives a fairly wide range. I tried making my own score predictor based on the standard numbers and weightings and I got it right within a point - 673 actual versus 674 predicted - and this could be explained on rounding error. I only used a 5 point score model so probably just got lucky with the crude combination of factors.

[igdycsmG6]

Equifax simulator showed that my score ran could be  650 to 680 if I pay my credit cards to 3%.   My current score is a 530.  Thats seemed like a unrealistic jump.  Do you think that's as achievable as the Equifax simulator showed?

[Kratos-TM]

Nice simulator. If you look at everything else besides the score range, you'll learn what FICO likes through the questions they ask (if you're a newbie to the scoring game).

[igdycsmG6]

Need some assistance on what to do with my accounts, here is where they stand and what been down already

1 Public account

Wells Fargo (0 bal)....................Filed 03/2011 and paid 10/2012

1 Open Negative Accounts

Mortgage

7 Closed Negative Accounts and DOFD

Defaulted student load (72K)...........DOFD 7/2009 (being garnished)

American Express(0 bal)................. DOFD 7/2008

Chase CC(848 bal)............................DOFD 05/2010

GEWalmart(0 bal)...............................DOFD 10/2010

Porfolio coll for GEWM (922 bal)......DOFD  10/2010

WF1 CC (0 bal)....................................DOFD 4/2010

WF2 CC(0 bal).....................................DOFD 4/2010

Collection Accounts and DOFD ,Sent DV'd last week to all

UCB coll for Med  (2.5K bal) ...................................................................DOFD 1/2011

Diverisified coll for Sprint  (516 bal).......................................................DOFD 10/2012

Anderson coll sprint (462 bal).................................................................DOFD 11/2011

Credit Management coll for time warner (0 bal)..................................DOFD 4/2012

Enhance Rec. Corp coll for ATT (380 bal)............................................DOFD  10/2010

UCB coll for  Med (380 bal)......................................................................DOFD 10/2010

Score EQ is 547

[lharasiuk]

Mine says between 605-655 and I am at 598. I answered every question correctly with a cr pulled yesterday. Weird that I am so much lower, but I have approx. $100k in student loans that are listed as paid as agreed even though they haven't gotten to the point where they are due yet. I still have a few months of school left. I have never missed or been late on any payments. Too bad my score isn't what they say it should be.