I love the FICO estimator. Reading "Your FICO® scores are estimated to be between 725-775" makes my day. If I could just get that one CC GW'ed, I'd be gold.
When I am down, I go to the sims and ask it to show me what my score might look like if I pay my bills on time for 3 months, 6 mos etc.
Its amazing what a few months can do