Score simulator?

[Macchamps75]

I tried the score simulator out and had a weird reaction.  It says that it would raise my current score 97 points if i were to bring down my utli. and keep it down over the next year. how acurate is the simulator? I only have 2k worth of debt which could be paid back over about 3 weeks time if i tried. This would put my score around 717

[Anonymous]

The score sim is very accurate in changes in overall utl-

It does not take into account-

Too many accounts with balances

Maxed out accounts

Baddies dropping off-

So this is really this is the min score boost-

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Macchamps75 wrote:

I tried the score simulator out and had a weird reaction.  It says that it would raise my current score 97 points if i were to bring down my utli. and keep it down over the next year. how acurate is the simulator? I only have 2k worth of debt which could be paid back over about 3 weeks time if i tried. This would put my score around 717

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[Macchamps75]

great, going to live small for a few weeks and put the cc's in the sock bin. I knew that the CC util. had about 30% but man its not worth having them if it will keep my score 100 points lower. Thanks again timothy.

[Macchamps75]

also i know that the simulator takes in to account other things besides the lower utli. but how long after i pay these off will the score rise and how fast will it rise that high? thanks again

[Anonymous]

I agree with Timothy. Just getting the utils wayyyyy down will cause your scores to take a BIG jump.

In Feb.2007 my TU score was 521 with about 85% utilities. By July my utils were down to right at 15% and my TU score had climbed to 681. Nothing else changed except my utils to cause the score jump.

I think Timothy had an even bigger score jump than I did.

[Anonymous]

wow!!!! nice jump....hope mine does the same..i'm at around 90%.  How many cards did  you have at the level.  I only have one CC.

[Anonymous]

It's fun looking at old reports-

Eq Jan 27th 2007 - FICO 494

UTL 46%

3 CA's

4 revolving accounts

9 accounts with 31 total lates

6 clean accounts

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Sylviatob wrote:
I agree with Timothy. Just getting the utils wayyyyy down will cause your scores to take a BIG jump.

In Feb.2007 my TU score was 521 with about 85% utilities. By July my utils were down to right at 15% and my TU score had climbed to 681. Nothing else changed except my utils to cause the score jump.

I think Timothy had an even bigger score jump than I did.

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[Anonymous]

I had 5 cc's in that Feb. thru July time frame.

Wow and double wow Timothy! You've come a long way baby!

Good job. Any success in getting some of the GW's removed? If so how many?

[Anonymous]

Yep-

Down to 10 lates total-

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Sylviatob wrote:
I had 5 cc's in that Feb. thru July time frame.

Wow and double wow Timothy! You've come a long way baby!

Good job. Any success in getting some of the GW's removed? If so how many?

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[Anonymous]

Oh that's wonderful! super congrats.

Guess it's almost time for me to start working on those blasted things.