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nyccc2 wrote:
I ran this on TU and Efax, 664 and 694 respectively.
It says my revolving credit usage is $7100 and lets me type in a # to pay off. I chose 4500 because 4300 of that is Amex which is reporting from last month and is paid off.
It says my score on both of them shoots from 714 to 784. That seems patently impossible. Has anyone simulated an action and then follow-up on it?
Also how does Amex get thrown into my revolving credit lines?
@Anonymous wrote:
hello friend i dont think the score simulator is accurate because i have zero balance on all my credit card and when i pull my report and simulate my report it say to pay all my card then i will have a score increase on that note alone tell me the simulator have a burg.
I want to see what this particular CRA formula thinks would be most beneficial for my long-term planning. For instance, I thought it was interesting when my "best-case" scenario changed from no more lates to pay balances down over 24 months. Since my balances were already down, that meant to keep on keeping on. I'm bored to death and I want to play with numbers!