One thing that I see lacking in the simulator (or am missing) is an option to pay down a loan account.  I'd like to see what effect paying off my student loan would have vs continuing to age it with on-time payment history.  But this doesn't seem to be an option. 

Starting Score: 641 EQ FAKO | 706 TU FAKO | 682 EX FAKO
Current Score: 741 EQ FICO | 733 TU FICO | 630!??? EX FICO
Goal Score: 750 across the board

Take the myFICO Fitness Challenge