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It's only available for 30 days from when you recieved your latest report/score.
@MsPrissy47 wrote:
Is anyone having problems with the score simulator. I have been active since I joined MyFico in June and have always been able to use it. Today I log on and I receive the following message:
You are unable to apply the FICO® Score Simulator to this report.
You can use the FICO® Score Simulator on this report for only 30 days.
Return to your FICO® score report
It is not perfectly accurate anyway. It gives general directions of score changes and ballpark figures. Sometimes it is very close, sometimes not. It is a good way to determine where you scores might be near if you reduce utilization. But I can tell you even without the score simulator: your scores will go up as you pay down your balances.