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Help me to understand the simulator and it's projection, specifically for TransUnion

Valued Contributor

Help me to understand the simulator and it's projection, specifically for TransUnion

I order a MyFICO Trans Union report back on Jan 2nd and according to the simulator, it says my score will jump from 713 to 778 just by either paying on time for one moth or letting my report age for one month.

 

OK, it's now a full month and my score has not changed. What am I missing here? Thanks!

694 INQs: 10717 INQs: 11704 INQs: 10Total Credit Line: $627,250
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