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

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Ysettle4
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!

769 INQs: 6774 INQs: 5764 INQs: 8UTIL: 2%AAoA: 5yr 8mosTotal Credit Line: $873,950
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