fico simulator

[rbrown973]

Hey all, I took a look at the fico simulator and wanted to know if anyone has used it and if so did work...

My EQ is 555

I have $467 left to pay on my cc's and the simulator is saying that I can expect  a credit score increase of any where from 605-645...

all advice is welcome

[Anonymous]

The Sim does a great job predicting OVERALL utility to FICO changes-

It does not seem to take into account:

Accounts with balances

Maxed out cards

I like looking at the 1,3,6 and 12 month sims

[rbrown973]

Thanks Timothy...

[Anonymous]

The simulations were right on the money for me with UTL reductions. Well tested time and again. Agreed, only simulates score changes for UTL, ignoring all other changes as Timothy said.

[fishbjc]

According to the simular, if I stay on target for 6 months, my score minimum will be 731.  Let's hope that's correct.

My score is currently TU 621, still NOT GOOD.

At what score will it move up to GOOD?  Still, I'm waiting on JCP to answer a GW for 2 and I'm happy with my progress since mid December....very happy.  Thanks MYFICO!

rbrown:  That's a nice increase...keep it up!

[bamagirl1]

ok i tried 1, 3-12 months same point range,i only got big points by paying off 90% off cc/personal loan usage which is $3000

[rbrown973]

Thanks Guys the forums keeps my hopes in belief...