FICO Stimulator

[Anonymous]

Hi Everyone, I am new to this site and wanted to know what the FICO Score Stimulator was.  Can someone please explain?  Please advise.  Thanks so much.

[Aduke1122]

It basically gives you an estimate of what your scores "could" be if you did certain things to your credit

[Aduke1122]

It's just an estimate though

[Anonymous]

Right. I'm just not sure what that is exactly.  Its saying something about me paying 22 per month on my revolving credit but I really dont know which card they are even talking about.

[Anonymous]

It's not an exact card. It's your overall revolving line.

[Anonymous]

It basically means make on time payments for 22 months. Payment history is 35% of your score so having a positive payment history for nearly 2 years will be favorable to your score.

[Anonymous]

I was wondering if anyone has any experience with the accuracy of the simulator

[Anonymous]

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@Anonymous wrote:
I was wondering if anyone has any experience with the accuracy of the simulator

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A Ouija board may be more accurate the simulator can only factor in a few data points at one time so it is not all that accurate a measure of changes in scores. I would not rely on it if you are looking to see if something will make a big jump in your scores.