@Epcot, thanks! To the OP, the score simulator was always pretty accurate for me,if you are a SW member or recently purchased a report from here.
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
