https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Testing-Fico-Simulator/m-p/593830#M87190 I'm also very interested.&nbsp; If it is accurate I will qualify for my loan as soon as my cc reports.&nbsp; Crossing fingers! Sat, 31 Oct 2009 05:08:09 GMT Anonymous 2009-10-31T05:08:09Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Testing-Fico-Simulator/m-p/593825#M87186 <P>I am going to learn how accurate it is... if it's anywhere close, I'll be extremely happy!</P><P>&nbsp;</P><P>1.&nbsp; I owe 1277 according to Equifax, which is about 80% of my utilization.&nbsp; It calculated if I play 1200 over a month period my credit score should increase from 611 (dropped 20 points to 611 when I was maxing my CCs) to 691-731.</P><P>&nbsp;</P><P>2.&nbsp; I owe 852 according to TU, which is still a high util.&nbsp; It calculated if I pay 800 over a month period my score will go from 633 to 673-713.</P><P>&nbsp;</P><P>My Exp score is from 10/28, my TU is from 10/3, if I run my TU now it will probably be as low as my Ex because my util was bad after 10/3.&nbsp; I started getting reports at around end of september that my positive accounts have increased and that my last derog was more than 5 years ago, so I think I've hit a turning point, but then I messed it up when I used up my util, so I wonder if that's why the simulator said I will be much higher than I ever was, because I was already at a&nbsp;turning point.&nbsp; It also helped that I have a more diverse credit history, since I added a car (which actually helped, because it showed I have debt I am paying responsibly) and I added a couple credit cards.&nbsp; I have three regular low credit limit cards and a macy's card, plus my car payments, and everything has been on time and until recently util was decent.&nbsp; All these factors I think have helped me out.</P><P>&nbsp;</P><P>I paid down all my CCs and after all of my accounts are posted to the bureaus it should show my util at about 1 to 3%.&nbsp;</P><P>&nbsp;</P><P>I am crossing my fingers!</P><DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by Jovian on </SPAN><SPAN class="local-date">10-30-2009</SPAN><SPAN class="local-time"> 09:26 PM</SPAN></DIV> Sat, 31 Oct 2009 04:26:30 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Testing-Fico-Simulator/m-p/593825#M87186 Jovian 2009-10-31T04:26:30Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Testing-Fico-Simulator/m-p/593826#M87187 I am hoping I can get a much higher credit limit early next year to better manage my util.&nbsp; My credit limit right now is pathetically low and I can hit a high utilization really quickly without even trying. Sat, 31 Oct 2009 04:29:36 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Testing-Fico-Simulator/m-p/593826#M87187 Jovian 2009-10-31T04:29:36Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Testing-Fico-Simulator/m-p/593830#M87190 I'm also very interested.&nbsp; If it is accurate I will qualify for my loan as soon as my cc reports.&nbsp; Crossing fingers! Sat, 31 Oct 2009 05:08:09 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Testing-Fico-Simulator/m-p/593830#M87190 Anonymous 2009-10-31T05:08:09Z