My score was 609 with my utilization at 81%. Simulator projected me to be from 659-699 if i dropped my utilization under 10%.
I did that and my socre went to 636.
It is a simulator you can not expect it to be perfect.
I think you and I have different definitions of "perfect".
I'm not expecting "perfect". I am however expecting...."something removtely close".
But i do appreciate your well though out and very constructive feedback. I strongly encourage you to continue proviiding your feedback to others on these forums in the future. I'm sure many others find what you have to say very insightful and will find just as much value in what you have to say as I have.