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Look up ABCD's AZEO method on these forums and find his post and it will explain why your scores will go up. All zero except one. The fico scores are better for some reason when the balance is all on one card and uti below 30% prefereably below 10% tbh. Anyway look that up and you will see why. Also simulators are not 100% so don't be dissatisfied if your scores dont go up as much as the simulator said it would. Also is it worth it? Thats for you to answer. Is it going to save you interest? Are you about to apply for a card, LOC, loan, or mortgage? If so then yea its worth it. If not then no I wouldn't bother. Up to you. Best of luck.
[long story]... More importantly - Is this simulator point rise that they’re projecting real and accurate???? ...
BB
No.
The simulators are only capable of telling you the sort of things that would be obvious to you after spending some time reading threads here. Their specific and short term predictions are often wildly innacurate.
eta: An example, the simulator has been telling me for a couple months that my TU score will jump by 100 points any day now -- what I've actually seen have been a few very small steady increases. Half way through that period I saw a 60+point jump in my EQ score that the simulator failed to predict at all.
As per the other advice you have gotten:
* Ignore what all simulators tell you (including the one at myFICO)
* Pay all credit cards except one to zero (All Zero Except One = AZEO)
* Make sure your total CC utilization is < 8.99%. If the remaining card in your AZEO approach has a balance of $20 or so, you will necessarily have a very low utilization.
When your reports show the new balances on all cards, your scores will go up. Until then have a happy Christmas and forget about your scores.
PS. Encouraging and uncritical suggestion: welcome to the community and keep posting, but also consider preparing your post in a word processor first, with an eye to separating your thoughts into clear bullets or paragraphs. The huge wall of text is hard for people to make sense out of and far fewer will read through it, compared with placing you thoughts in paragraphs.