I've used the fico simulatorbut have never tracked the results. The problem with the my fico tracker and many others is they only let you change one variable andthey never even list all the variables. For instance, you can simulate adding a new cc but you can't simulate adding a new cc AND adding a new inq - which would be what would happen in real life. Simulators also rarelyinclude an option for total number of lates decreasing and I've yet to see one that will let you simulate deleting an entire negative acct. that said, the my fico simulator seems to be a better indicator of whether your score will go up or down than other simulators I've seen. for instance on CK if I simulate 'paying on time for 24 months' my simulated score always goes down.
Starting FICO 667 (5/2012) EQ 672 (7/2012) EQ. 681 (8/1/12) EQ Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU Goal: 760+ but 700-720 by jan 2013 No new apps tll jul 2013