Are you sure you are using FICO score estimator? That is the tool where you answer a bunch of questions about your credit and it gives you a FICO range at the end of it. It is not the simulator where it looks at your current credit report and you can change one or couple of things and see what it does to your credit. I find the FICO score estimator more accurate when trying to figure out what your credit will do with certain actions. The reality is that there are no tools to see what it will do to you credit because of factors of individual credit history and what scorecard you are on.
That's what I meant,the FICO score estimator,sorry
Is this the FICO Score Estimator you're talking about?