topic Credit simulator question. in Credit Cards https://ficoforums.myfico.com/t5/Credit-Cards/Credit-simulator-question/m-p/3451477#M955381 <P>My credit rating is 667...last week it was 568. Before when I entered on the credit simulator &nbsp;adding a $200 secured card , it said it would raise me from 568-630.. Well now my student loans have been added which is good because it shows an ontime payment for the last 11 years....but now when I enter $200 for a secured card and simulate it, it drops my credit back down to 587....I have zero utilization &nbsp;because I have no card.. I want a utilization score though..my debt is around 4400 and I'm 100% on time....will getting a secured card really hurt my credit as the simulator says? Thank you in advance.</P><P>&nbsp;</P><P>&nbsp;</P> Fri, 19 Sep 2014 17:32:04 GMT Anonymous 2014-09-19T17:32:04Z Credit simulator question. https://ficoforums.myfico.com/t5/Credit-Cards/Credit-simulator-question/m-p/3451477#M955381 <P>My credit rating is 667...last week it was 568. Before when I entered on the credit simulator &nbsp;adding a $200 secured card , it said it would raise me from 568-630.. Well now my student loans have been added which is good because it shows an ontime payment for the last 11 years....but now when I enter $200 for a secured card and simulate it, it drops my credit back down to 587....I have zero utilization &nbsp;because I have no card.. I want a utilization score though..my debt is around 4400 and I'm 100% on time....will getting a secured card really hurt my credit as the simulator says? Thank you in advance.</P><P>&nbsp;</P><P>&nbsp;</P> Fri, 19 Sep 2014 17:32:04 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-simulator-question/m-p/3451477#M955381 Anonymous 2014-09-19T17:32:04Z Re: Credit simulator question. https://ficoforums.myfico.com/t5/Credit-Cards/Credit-simulator-question/m-p/3451529#M955393 You'll want 3 revolving lines to maximize your FICO score. Opening a single account should net you quite a few points. Fri, 19 Sep 2014 17:51:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-simulator-question/m-p/3451529#M955393 Involver 2014-09-19T17:51:54Z