Fico score simulator

[Anonymous]

right on the mark for me... I got 660/710 and my scores are:

TU 684

EX 664

EQ 664

Hopefully EX and EQ will start moving towards the upper limit instead of the lower limit soon...

[Anonymous]

I just went on there and it said mine should be 620-670.

Right now they are;

TU   632

Exp 588

Equ 532

Cant seem to get them to delete anything even with letters where I paid and they agreed to delete. Exp and Equifax both suck for that. TU has been the easiest so far

[Anonymous]

Mine said 525-575- Its pretty accurate.

Ex 572

Eq 588

TU ??

[Anonymous]

Mine was way off.  Said I should be in the 570-620 range.  I wish!

[athensguy]

My EQ is currently 747 (just pulled) and this page said 710-760.

[Anonymous]

Very interesting!

If I plug in accurate info, it's pretty much right on. If I plug in 0-9% util on cc's, looks like I would get about 100 points!  That's motivation!

Thanks for posting it.

[athensguy]

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@Anonymous wrote:

Very interesting!

If I plug in accurate info, it's pretty much right on. If I plug in 0-9% util on cc's, looks like I would get about 100 points!  That's motivation!

Thanks for posting it.

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Indeed, for paying down from my currently reporting 35% overall with 2 nearly maxed cards, I get 50 points or so.

[haulingthescoreup]

To avoid confusion with the simulators that come with your TU and EQ reports, this is actually called the score estimator. Its ranges are broader, but you can tweak a lot more factors.

I call it my time machine, because it can show me what my scores would be if I had never had the 90-day late. If anyone needs motivation to keep working on your reports and keep going with the GW's and PFD's, this is a great way to do it. Just enter how your reports would look if you got the junk off, and admire the projected scores.

Here's another link to it, directly from the myFICO site:

FICO Credit Score Estimator

[Anonymous]

Mine was accurate said it would be between 600 - 650 and mine score in January was 643

[marty56]

The simulator kinda reminds me of biorhythms for those old enought to remember them.  Basically the theory attemped to explain how we feel based on cycles.  They funny thing was that people could be irregular which ment they had no cycle and that could be temporary.

In others words when it worked it worked and when it didnt it was also working.  Sorta like the no change or score increase prediction when you pay down a balance.