Credit simulators are not very accurate. I would not put much stock into the results you get when you plug in the information on those.
As for reporting dates, depending on what report you pull and where you pull it from you can see the date reported. You can also call your creditor and ask them what day they report.
And, welcome to the Forums!!
*8/10/13
@dodfire wrote:Credit simulators are not very accurate. I would not put much stock into the results you get when you plug in the information on those.
As for reporting dates, depending on what report you pull and where you pull it from you can see the date reported. You can also call your creditor and ask them what day they report.
And, welcome to the Forums!!
What he said. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.