Testing myFICO and CCT Simulator This Month

[Anonymous]

So my scores are currently:

EQ - 664

TU - 715

EX - 722

All were with a 35% utilization.

Currently UT are all paid off and are at 0%.

All card statements/alert triggers are out on these dates:

Cap1 Platinum - 8th Trigger between 10-12th

Cap1 QS           - 7thTrigger between 10-12th

Discover IT       - 13th Trigger on the 18th

Chase Amazon - 18th Trigger on 21st

myFICO Simulator

EQ - 689 (waiting to June 2016 for baddies to drop)

TU - 780 (Clean Record March 2016)

EX - 782 (Clean Record March 2016) Same for CCT

Will check back in when alerts are trigger to let everyone know how close it is. Not expecting the scores to be exact but anywhere closer is nice to have.

[Anonymous]

Simulation is pretty close. First statement hit Experian that brought my HU from 35% to 8%. Current EX score is 773.

[Revelate]

Nice to see.

My issue with the simulators is the time domain: there's absolutely nothing in my file which should warrant my gaining 20 points on EQ/TU and 10 on EX next month even just for paying my bills on time for 1 month.  Then a further 5 point gain on EX the following month (which is maybe legit since I should go from 2->3 years AAOA there).

Still have to take them with a grain of salt heh.