It has been very accurate for me. I have one red flag from 2010 showing. I have met or exceeded all of their "future Fico Score ranges" since I have been tracking my developments. Once you obtain a 5% to 7% util., paying more off on cc's doesn't seem to impact the score short term. Best wishes for success.
Starting scores 01/ 02/2012 EQ 707 TU 733 EXP 735 (FAKO)
Updated scores 05/01/2013 EQ 761 TU 780 EXP 788 (Exp. equivalency)
Remember the Three P's: Pay early in Full, Pay on Time, Patience
