Creditkeeper What if simulator

[gdtobefree]

how depressing if  and that is a BIG if I get the things removed that I am working on it will only raise my score 93 pts which is good but I thought it would be more. 510 to 603 not bad

In my dreams GMAC got deleted (YEAH RIGHT) my score has the potential to go up 210 pts

I could handle a 720! 

Snort snort, I am sorry was I snoring?

[haulingthescoreup]

gdtobefree, do you have any idea what your real FICO scores are? Creditkeeper scores are FAKO's. And since they're FAKO's, there's just no telling what kind of bogus predictions you're getting from their sim.

If you know your FICO's, you can plug them into the FICO score estimator, and play with seeing what would happen if various things got deleted:

http://www.myfico.com/FICOCreditScoreEstimator/Estimator.aspx

Some things just take time, but if you can get some derogs off your reports, you might be able to start getting some revolving lines going, which will help your score a lot.

[gdtobefree]

According to EQ I am 510

[gdtobefree]

it says B/W 565-615 I only wish it was that high

[Anonymous]

I cancelled mycreditkeeper.com subcription because the scores were way off. The simulator they use is not accurate either. They are pretty good for credit monitoring but in order to get a realistic picture make sure you know what your myfico.com score is. Those are the real ones. Well worth the $$$

[Anonymous]

I use creditkeeper for monitoring and somewhat for the sim - playing with balances, new accounts etc.

It is not a FICO score but the base model I am sure is similar - just what it gives/takes for various actions not the same.  They should 'track' the same however - if the one is rising so should the other - just not the same numbers.  If applying for anything I would pull FICOs that same day (and time it so nothing is changing on me that day (i.e. everything reported in 'freeze credit profile' mode).