@Anonymous wrote:Again, you are missing the point completely of the argument here. WE know that, but the vast majority does not. You get a ton of people that pull up a simulator and take what it says at face value. To THEM (the majority) reading a statement like "pay a bill late" or "forget to pay a bill" does not mean 30 days or more.
If I had a bill due yesterday and I didn't pay it, I'm paying that bill late.
If I realize next week that I was supposed to pay a bill this week, I forgot to pay a bill.
Common language here. The average person does not speak FICO.
I suggest it is time to walk away from the forum for a day and cool down.
Your interpretation of what a simulator should be are accurate, but you are arguing with a borg which must accomodate millions of credit profiles, and so becomes inaccurate at your level of analysis.
I can assure you I'm completely cool 
I don't believe there's any level of analysis needed here. A simple amendment to the question is all that's required for it to make sense to everyone, be them completely new or seasoned veterans. "30 days or more late on a payment" - Simple and to the point. No guessing involved. This way if someone is a week late on making a payment and they use a simulator they won't check "30 days or more late on a payment" so they won't have a simulator tell them they're losing 75 points or whatever it decides to spit out.
OK, I managed to get an $8.69 purchase to report at $8 on Experian, taking me from $0 revolving accounts reporting to $8.
The EX FICO 8, which had dropped 13 points upon the aggregate falling to zero, jumped 16 points on the arrival of my $8 balance.
Best $8.69 I ever spent 
[May not be able to get a clear reading on the other 2, because EQ never reported the zero balance, being a month behind on reporting my PenFed PLOC balance, and TU -- according to TransUnion.com -- appears to have somehow picked up a PenFed PLOC balance from 3 months ago]
Apparently I had my notifications turned off so I apologize for not replying...it's been a billion years since I've been on any sort of forum. I have fed student loans, current and being paid. I will have the auto loan paid this mid-year and that was my main reason for looking into other small loans, i love my car and maintain it so it runs like a champ ;-) all cards report zero except for one that I report a small balance on and pay. My house is paid off as well. My scores are affected by a gloriously grueling divorce, worth every point however! I closed everything and worked with cash (aside from the student loans) for years. And yes, I was planning on paying the majority and keeping the smaller installments, though I've been trying to do more research on the percentage to pay off...i know I've seen it here on the forums but haven't devoted enough time to looking.
