Starting Score: TU: 663 EQ: 632 EX: ?
Mine was on it too...,said between 629-679
Mine is now a 662....it dropped from 670 due to my loans consolidating I think and those lines closing....maybe a balance increase. My overall util is under 2%
TU is 682 and Ex is 689....so they r a bit off on those two
Have you tried myFICO's own FICO® Score Estimator? (Not to be confused with the FICO® Score Simulator in Score Watch.) You can learn a lot from playing with various scenarios. Whenever anyone approaches the Understanding FICO® Scoring forum by asking for an estimate of their situation, making a simple reference to the Estimator may well be the most rewarding answer that can be given.
I spent a minute with the Estimator entering such stuff as a nine month old 90 day late and a two year old bankruptcy. The Estimator indicated a score range of 630-680, while my own little meat grinder, a toy approximator if you will, of a script came up with 657, comfortably in the middle. I find this amusing as the world below the median FICO score is next to unknown to me. Much of what I have picked up is that the single worst baddie, in character and in recency, overshadows most remaining of the sort. The lesson to be learned is not to deplete, if at all possible. Never Be Late, Ever.
http://www.myfico.com/FICOCreditScoreEstimator/Est
is much better nissan calculator ask your name mail bla bla at the end why thet do not mention it at the begining and spend your time 
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