Ok so here's the deal. The loan agent said after she ran my report it was only one point different from before I paid all my loans off etc. All the other CB's EQ and EX updated but TU didn't, I asked her is the info the same on all 3 CB reports, she said yep. So I thought something was not right so I paid the 20 again and come to find out it hadn't updated. I called the company's lacking the info on my TU report and asked them to update asap. 48hrs later TU report was right and my score was inside the simulator range.
Some added notes of learning on my part.
Check your self.
It true if your fico on myfico.com says is exactly what the leaders see to the point.
Use Creditkarma.com and quizzel.com if your checking status to your report changes instead of paying 20$ just to see if the changes have even posted. Once you get an update from karma or quizzle then it should be time to pay for your fico score. Remember you have to refresh your score each day manually, sometimes it doesn't auto update.
Creditkarma and quizzle scoring is basically a joke. After a 100 point jump to my fico score my plus score didn't move and vantage score moved 15points. Useless.
I paid $1 for my EX at their website however again useless scoring but report info is useful.
Bottom line.
Simulator was completely in range on both my scores however it was on the lower end of the middle of the range.
Hope this clears things up and saves someone a few dollars.
Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
