My score change should have gone up 10 points because the debt % dropped due to a 200% increase in limit. Does it take 60 days before CLI's are reflected against your scores. No inquiry was added for the CLI. I was looking forward to a "quick" score change. hehe. Probably anything quick is delayed intentionally by the scoring system. Not sure, any opinions?
The score simulator has a VERY tenuous relationship with reality
I was playing with numbers on the "FICO® Score Simulator" that came with Score Power through Equifax.
I was using the simulator like a fact sheet with relations to percentages. So the only way to truly know if something effects my score is to do it and wait. I spent days calculating where my score would be if I paid off more of my debt. Is there any way other than paying off 10% each month and seeing how my score is reflected to be able to predict a score with out doing it?
MidnightVoice wrote:The score simulator has a VERY tenuous relationship with reality
Am I also correct to assume that my percentages to effect scores might be different from my next store neighbor because of history, age of accounts, quan, and CL's?
Tuscani wrote:Did you pull a new report? Was the simulator accurate?