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FICO Score simulator

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Established Member

FICO Score simulator

When you run the FICO score simulator, does it take into account collection accounts that will "roll off"? I see that it takes into account the aging of accounts.

 

For example when i ran the simulator,

 

I simulate paying down my revolving debts over 12 months, I receive a significant simulated score bump (from 632 to 712 -732)...could this be from the many collections that will hit the 7 year mark and fall off during this window?