https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Score-Estimator/m-p/3566033#M196859 <P>The credit score estimator... how 'reliable' is it?</P><P>&nbsp;</P><P>It says if I pay down my debt (even just 1/2 of it) over the next 24 months... I will have a all 780+ scores</P><P>&nbsp;</P><P>&nbsp;</P> Sat, 25 Oct 2014 04:42:34 GMT MyDataMyChoice 2014-10-25T04:42:34Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Score-Estimator/m-p/3566033#M196859 <P>The credit score estimator... how 'reliable' is it?</P><P>&nbsp;</P><P>It says if I pay down my debt (even just 1/2 of it) over the next 24 months... I will have a all 780+ scores</P><P>&nbsp;</P><P>&nbsp;</P> Sat, 25 Oct 2014 04:42:34 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Score-Estimator/m-p/3566033#M196859 MyDataMyChoice 2014-10-25T04:42:34Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Score-Estimator/m-p/3566081#M196860 <P>Not sure how accurate it is, but I am guessing it assumes everything else goes well for you too.&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><P>For example, in 6 months your AAOA will be higher. Moreover, if you add no more debt and pay down the balances (it assumes payments over interests so each dollar of payment is applied to principal on the calculator). Higher AAOA, less debt, perhaps some negatives off your report. All of this could easily spike your score.</P> Sat, 25 Oct 2014 05:00:18 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Score-Estimator/m-p/3566081#M196860 Anonymous 2014-10-25T05:00:18Z