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@Anonymous wrote:you can try different scenarios. Like what
if I get instant store card,mortgage, car. Best way to pay down, etc.
I like that. But it doesn't ever show 850.
Right. But it will show 850 for some people. The simulator is specific to what's currently on your CR.
If I look at my simulator over the past year, on various reports, it shows that I could get to 741, 758, 763, 768, 752. So YMMV with different folks and even for the same person with different pulls.
I'm looking forward to the day when the simulator says I can get an 841!
Actually, I very rarely play with it anymore - it's a little vague. It really helped me learn what to watch for though.
If I pay over a period of 2 years it says 841.
If I pay in a month it says 821.
I have been carrying high balance for me because I paid to
fix niece's teeth. I was surprised this did not hurt my scores
more. At one point I was at 16% utilization. now down to 4% and
I joined the 800 club.
@Anonymous wrote:
If I pay over a period of 2 years it says 841.
If I pay in a month it says 821.
I have been carrying high balance for me because I paid to
fix niece's teeth. I was surprised this did not hurt my scores
more. At one point I was at 16% utilization. now down to 4% and
I joined the 800 club.
Very nice work, casinoannie! Now that you're in the 800 club, there is no turning back. BTW, I'm like you, I want 850's across the board. I still need between 39 to 47 points for all three to hit 850.
@Anonymous wrote:If I pay over a period of 2 years it says 841.
If I pay in a month it says 821.
I have been carrying high balance for me because I paid to
fix niece's teeth. I was surprised this did not hurt my scores
more. At one point I was at 16% utilization. now down to 4% and
I joined the 800 club.
Forget the paydown nonsense. Basically just keep on for 2 years the way you've been going and your score will be somewhere in the middle of the range maybe nearer the top if the FICO gods allow. Just don't tank the AAofA.
@Anonymous wrote:you can try different scenarios. Like what
if I get instant store card,mortgage, car. Best way to pay down, etc.
I like that. But it doesn't ever show 850.
That's only for the next 24 months. I wouldn't put too much faith in the Simulator. My TU is already over the top of the range it showed me 2 months ago. EQ is 4 shy after 2 months.
Small fry--what do you mean "over the top"?
Can you go higher than 850?
@Anonymous wrote:Small fry--what do you mean "over the top"?
Can you go higher than 850?
I meant to say that my score is over the range the Simulator gave me a couple of months ago. You obviously can't go higher than 850.