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The simulator is more of an encouragement than a set of instructions on how to get to a certain score. I wouldn't take anything it says to heart, as everyone's credit situation is different and the simulator is ultimately giving you a rough estimate. That estimate is usually based on JUST having credit cards that you pay off, and not considering lates or anything else that still hold you in a certain bracket of scores.
Starting Score: 532/564 10/21/12
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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