Regular Contributor
Posts: 183
Registered: ‎09-20-2012

Scorewatch score raise vs actual?

Just wondering based on the  "Simulate Best Action" on the score simulator if your score changes were inline with the range it predicted after you did what it suggested?

Established Contributor
Posts: 567
Registered: ‎02-12-2011

Re: Scorewatch score raise vs actual?

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
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700

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