FICO Scoring Simulator Question

[Anonymous]

According to the FICO Score Simulator, if I bring my util down my score would go up 20 points and if I keep paying my cards on time every month for the next 6 months my score will go up 20 points as well... does this mean that if I keep util low and pay the cards on time for six months that my score will go up 40 points?

[SCF]

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@Anonymous wrote:
According to the FICO Score Simulator, if I bring my util down my score would go up 20 points and if I keep paying my cards on time every month for the next 6 months my score will go up 20 points as well... does this mean that if I keep util low and pay the cards on time for six months that my score will go up 40 points?

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Probably not Pappy, but it's hard to say.  Score increases from the simulator don't stack because the amount of change from one action is dependant on the other information on your file.  I would expect to see the biggest jump from paying down your util, especially if its high right now.

[Anonymous]

Dang, and I got my hopes up to join the 700 club this summer.

[laz98]

good luck with your scores pappy!  i am glad to see you are working hard.  it gives me motivation to keep working on my scores, too, & not give up!

sometimes i wish that simulator was just a WEE bit more accurate, though!