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Thanks! Got it!
@fixmycred14 wrote:@bdhu2001 --
I found the simulator for TU and EX under my myfico subscription. The best course of action suggested is to reduce my total revolving balance. Thanks for helping!
Cool. Now that you know that, see how much you need to reduce it by to get the most points. For instance you may only need to pay it down by 2K and anything above that amount doesn't give you a better score. Once you know the minimum figure to get the best score. Click on some of the other areas and slide the button or key in the amount until you get there. In my case, the best action was to pay on time for the next 24 months (that's a given, I always pay on time). However, by moving the button, I see I'lll obtain that score in 18 months.
In addition, by clicking on the "installment loan" portion, I moved the button to the right and discovered that I can pay $6425 on my student loan, I can get a better score sooner. Since I've already paid 4K more than the ballance the simulator shows, that means that I can have a better score in less than 2 months, by paying 2500 on my installment loan instead of continuing to pay extra on my revolving accounts.
Thank you very much!!!! I just played around with it a bit. I see exactly what you are saying. I feel much more confident going forward. The advice I originally received correlates with the simulator. Having 2 out of 3 report $0 will give me the greatest boost.
So, EQ doesn't provide a simulator? I only found simulators for TU & EX.
always very accurate for me..... done it a million times
@fixmycred14 wrote:So, EQ doesn't provide a simulator? I only found simulators for TU & EX.
EQ does provide a simulator. I paid for my EQ score so that I only have access to the EQ simulator. I don't have access to the other two simulators. I don't know what subscription you have, but if it's scorewatch it's from EQ so I'd expect it to also provide the EQ simulator. Someone who also has your subscription would be able to give you a more precise answer.
Thanks @ bdhu2001 -- I needed to refresh my EQ report. The simulator appeared and I'm good to go.
@Anonymous loan guy - how long is the results good for , 30days?
@DallasLoanGuy wrote:always very accurate for me..... done it a million times