topic Re: Credit Score Simulators in General Credit Topics

Credit Score Simulators

Anonymous — Thu, 26 Sep 2019 05:50:35 GMT

Hello, gang! Are there any simulators out there worth noting or are they all pretty much crap? Even the simulator here at myFICO is terribad. And why is it there is never an option to simulate changes to having derogs paid or removed?

(And yes, simulators are a no-no -- I know-know. Alas, they help motivate...)

Re: Credit Score Simulators

Anonymous — Thu, 26 Sep 2019 09:55:35 GMT

None are accurate - they simply don’t take enough factors into account. I’ve seen two of them tell me that paying my balances down to 1% will cost me upwards of 20 points.

Ignore them.

Re: Credit Score Simulators

M_Smart007 — Thu, 26 Sep 2019 14:21:48 GMT

@Anonymous wrote:
Hello, gang! Are there any simulators out there worth noting or are they all pretty much crap? Even the simulator here at myFICO is terribad. And why is it there is never an option to simulate changes to having derogs paid or removed?

(And yes, simulators are a no-no -- I know-know. Alas, they help motivate...)

When The Devil answers you, You know they (simulators) can't be good!

+1 for @Anonymous

Re: Credit Score Simulators

Anonymous — Thu, 26 Sep 2019 16:13:41 GMT

😂😂😂

Re: Credit Score Simulators

mmajer4211 — Thu, 26 Sep 2019 17:08:33 GMT

@Anonymous wrote:
Hello, gang! Are there any simulators out there worth noting or are they all pretty much crap? The ones I have used have been so far off it's not even funny. Even the simulator here at myFICO is terribad. And why is it there is never an option to simulate changes to having derogs paid or removed? This is a great question.

I think that there should be a better way to simulate scores. The problem is that the way that credit scores are calculated is impossible to understand!! Well for me anyway. I think having an accurate score simulator would boost confidence, put people on the right track, and keep people on the right track.

Re: Credit Score Simulators

GApeachy — Thu, 26 Sep 2019 19:24:13 GMT

@Anonymous wrote:
terribad

This ^^^^ is my "word for the day"! Terribad, terribad, terribad....I like it!

Re: Credit Score Simulators

M_Smart007 — Thu, 26 Sep 2019 19:59:23 GMT

@GApeachy wrote:
@Anonymous wrote:
terribad

This ^^^^ is my "word for the day"! Terribad, terribad, terribad....I like it!

This ^^^^ is my "word for the day"! ;

Re: Credit Score Simulators

GApeachy — Thu, 26 Sep 2019 20:05:49 GMT

@M_Smart007 wrote:
This ^^^^ is my "word for the day"! ;

Re: Credit Score Simulators

M_Smart007 — Thu, 26 Sep 2019 20:08:24 GMT

@GApeachy wrote:
@M_Smart007 wrote:
This ^^^^ is my "word for the day"! ;

Re: Credit Score Simulators

GApeachy — Thu, 26 Sep 2019 20:19:37 GMT

T E R R I BAAAAADDDDDD!

hahahahaha, lol!

Re: Credit Score Simulators

Anonymous — Fri, 27 Sep 2019 02:41:03 GMT

@Anonymous wrote:
Are there any simulators out there worth noting or are they all pretty much crap?

Yes there are decent ones worth noting; They are the well-versed members of this forum. If you provide detailed profile info (far more than would be given to a typical online "simulator") you'll get some pretty educated guesses from forum members. The most experienced members of this forum will make any standard run of the mill simulator go cry in the corner.