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Error on SW Fico Score Simulator?

Established Contributor

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?

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
7 REPLIES
Moderator Emeritus

Re: Error on SW Fico Score Simulator?

What kind of CC is it? 

Established Contributor

Re: Error on SW Fico Score Simulator?

Cap One unsecured.
Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Highlighted
Moderator Emeritus

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

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..
Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Moderator Emeritus

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

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?
Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Moderator Emeritus

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.