Credit Score Estimator - myFICO® Forums - 3566033

myFICO® Forums

Get Access Now

The credit score estimator... how 'reliable' is it?

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

Barclay Banana Republic Store Card - Reconsideration for $200

Macys Amex - 1500 same day CLI to 10K

Amazon/Whole Foods Visa June 2024 $3500 - September 2024 Auto CLI SP CLI to 5K

Amex Gold NPSL 4K POT

November 2023 - Home Depot Credit Card SL $500 May 2024 HP CLI to $5,700

October 2023 - PENFED Overdraft Line of Credit $2,000

October 2023 - US Alliance Financial Overdraft Line of Credit $4,000

October 2023 - SOFI $7,000 - 15 Months No Interest and $200 Sub. 3% CB one year then 2%

October 2023 - Wells Fargo REFLECT Visa Signature SL $9,000 21 Mo Interest Free - Transferred 12K from ACTIVE Limit to REFLECT New Limit $21,000

October 2023 - Alliant Credit Union Visa Signature SL $10,000 - 2% CB

May 2022 - Wells Fargo ACTIVE Visa Signature SL $13,000 - $200 SUB - 15 Mo Interest Free then 20.24% - Transferred 12K of CL to REFLECT New Limit $1,000

SDFCU Visa Signature $5000 CLI to 6500 - Auto CLI to 9500

Upgrade Cash Rewards Visa Signature $20,000, seems to only report high balance

May 2021 - SYNB Lowe's Advantage SL $800 - Same Day CLI to 17K | April 2022 CLI to 35K

May 2021 - BofA Customized Cash Partially Secured 99/500 | April 2022 Graduated $1500 CL

Prequal Capital One Quicksilver | SL $5,000, OCt 2023 CLI to $5,500 @ 25.49% Apr 2021 - $200 SUB, 15 Mo No Interest

PENFED Pathfinder Visa Signature | SL $5,000 @ 17.99% Apr 2021

Apple Card by Goldman Sachs | SL Feb 2021 $4,000 - CLI May 2021 to $4,500 - CLI to $7,000 April 2022 - CLI to $9,000 - March 2024 CLI to 11.5K 21.99%

DELL Preferred Account $5000 @ 17.49 - Prequalified | Feb 2021 | HP CLI to $5,500

PENFED PCR (2%CB w/ Honors) | AUG 2020 - $3,500 - CLI May 2021 - $5000 - CLI Oct 2023 $10,000@ 17.99

OLLO Dec 2019 $2,500 - Auto CLI Aug 2020 $3,100

Message 1 of 2

1 REPLY 1

Not sure how accurate it is, but I am guessing it assumes everything else goes well for you too.

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.

Message 2 of 2