I'm not so sure about the simulator either. Nearly every action I select results in a 10 -40 pt decrease.
I pif cc bal of $130 and got an 18 pt increase. lol my cc limits are $250 and $700. But it works.
7/11/08: EQ: 635, TU: 658, EX: 607
10/10: TU 634, EQ 626, Ex 626
9/14/2012: TU 622, EQ 660
10/16/2012: TU 731, EQ 706 - finally on my way!