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Established Contributor
Posts: 584
Registered: ‎07-20-2008
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Error on SW Fico Score Simulator?

Credit at a glance shows my total revolving as $3902, which is correct.  But when I go to use the Score Simulator it shows $3437, a difference of $465, which happens to be the most recently reported balance of one of my credit cards (open/paid as agreed).  Any ideas why this is?

2014 Starting-618, current TU621 (TU 10/20) / Ending Goal score: 720 / 30 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 11169/27232=41%util

**IN the garden until I get some auto CLI's on major accts**
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Error on SW Fico Score Simulator?

What kind of CC is it? 

Established Contributor
Posts: 584
Registered: ‎07-20-2008
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Re: Error on SW Fico Score Simulator?

Cap One unsecured.
2014 Starting-618, current TU621 (TU 10/20) / Ending Goal score: 720 / 30 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 11169/27232=41%util

**IN the garden until I get some auto CLI's on major accts**
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Error on SW Fico Score Simulator?


westo12 wrote:
Cap One unsecured.

Is there a limit reporting on the CapOne?

 

Oh....is there a dispute comment within the TL?

Established Contributor
Posts: 584
Registered: ‎07-20-2008
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Re: Error on SW Fico Score Simulator?

Yes limit and balance reporting. Now that I think about it, there may be an old dispute comment. But there would have been a follow up one that says updated from a dispute..
2014 Starting-618, current TU621 (TU 10/20) / Ending Goal score: 720 / 30 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 11169/27232=41%util

**IN the garden until I get some auto CLI's on major accts**
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: Error on SW Fico Score Simulator?

Even if the dispute ended some time ago, the comment could still remain. I'd check to make sure. That would explain why it isn't factored. 

Established Contributor
Posts: 584
Registered: ‎07-20-2008
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Re: Error on SW Fico Score Simulator?

Ok, can I expect any surprises when I ask them to remove the comment? For example right now its over the limit. Does it mean that its not factored into my score/util because of the dispute comment?
2014 Starting-618, current TU621 (TU 10/20) / Ending Goal score: 720 / 30 Positive TLs / 1 Negative: Unpaid $312 med CA placed 2010 / reported Install Bal/Lim: 25027/36512 | reported Revolving Bal/Lim: 11169/27232=41%util

**IN the garden until I get some auto CLI's on major accts**
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Error on SW Fico Score Simulator?

Right. Once the comment goes away, then expect a score drop. If the comment goes away, and util is in check, then the score could increase if util is improved.

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