Current myFICO EX 711...after paying all my bills on time for 6 months, est. 756 : +45 pts
And then from those 6 months to 24 months, I'll go to 771: +15 pts.
That seems bass ackwards. Wouldn't I gain fewer points in a shorter period of time instead of toward the end of a 24 month perfect payment history?
I don't put much stock in the simulator, but how do they even come with those numbers? Goes against my simple minded logic.
