@dcw0405 wrote:
So here's something that I feel should be added onto the "Score Simulator" if possible... As you know a lot of people on these boards talk about writing GW letters and even talk about how GW letters work and late payments are removed from the credit reports. I just recently had a goodwill letter accepted and was told that a very very recent 30-day late payment will be removed from my credit reports (showing on EX, not TU or EQ yet).
I would LOVE to go into "Score Simulator" and go into my accounts and click a button that said "What would my score be if this payment was removed or never here to begin with?" I don't believe this would be too difficult, at least I hope it wouldn't. You could of course put a HUGE disclaimer saying that late payments are not guaranteed to be removed or have an effect at all on your FICO score. Anyway, I'm just so eager to know what my FICO scores will be once this recent 30-day late is removed and I really wish that there was a way to "simulate" that in my FICO reports.
Anyone else agree with me? Maybe if we can get enough people to agree with this suggestion, we can have it changed somehow!
The Fico Score Estimator in some respects provides more flexibility.
TU 791 02/11/2013, EQ 800 1/29/2011 , EX Plus FAKO 812, EX Vantage Score 955 3/19/2010 wife's EQ 9/23/2009 803
EX always was my highest when we could pull all three
Always remember: big print giveth, small print taketh away
If you dunno what tanstaafl means you must Google it
Starting Score (01/31): EQ: 609; TU: 641 EXP: 641
