Fico score simulator

[Anonymous]

Has anyone found the score simulator to be accurate?

[Bankrupt2019]

Fairly accurate. However my scores have increased far more than the simulator estimated. I wasn't supposed to hit 680 for another 12 months no matter what I plugged into the simulator.

[Anonymous]

Ok thanks!

[Anonymous]

My scores have outperformed the simulator so far also. I've things that can't be simulated, like early exclusions and dispute removals of derogatories.

[Anonymous]

I agree with the previous poster.  My results have outperformed the simulator on debt ratio alone.   It said I would get an increase from 605 to 640 for triming my debt ratio from 90% to 30% overall.   Doing so actually left my middle fico score at 669.    It said getting to 9% debt ratio would be 690.  I'm hoping it pushes me to 700.  Just need those statements to cut.

[takeshi74]

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@Anonymous wrote:
Has anyone found the score simulator to be accurate?

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It's not.  Don't assume any simulator to be accurate.  For one thing, there isn't just one FICO model and a simulator can't simulate every model.  It's just there to give you a rough idea.  If you want to know a score for a given situation then you'll have to pull the specific score at the appropriate time.

Also don't overlook prior discussions as a resource.

https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&es_th=1&ie=UTF-8#q=fico%20simulator%20site%3Aficoforums.myfico.com