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?
