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: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |