Has anyone had results that the simulator predicted?

My current score is 638 and it claims that if I pay down $500 of my revolving debt my score will go up to 668-708. That doesn't seem possible. It also gave me the same score if I paid $1,900.

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Starting Score: EQ 625 TU 630
Current Score: EX 710 EQ 680 TU 680
Goal Score: 700


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