try this and post up how accurate it is for you

[Anonymous]

foud this fico score estimator and it seem pretty close. also gives you a indication as the what fico specifically looks at by the questions it asks.

http://www.myfico.com/FICOCreditScoreEstimator/Default.aspx

it's in the ball park for me, on the low end anyway.

[haulingthescoreup]

Your FICO® scores are estimated to be between: 645-695

Not bad, considering how many weird little quirks on are my reports.

Awfully interesting, some of those break points in there... kinda makes you wonder about buckets!

[fused]

I have used this before but this is the first time it was close. The range given to me was 735-785.

[haulingthescoreup]

Ooooo! I ran it again with all the same numbers, BUT I took out my lates:

Your FICO® scores are estimated to be between: 735-785

It's kinda like having a sim where you can show what would happen if your GW's and PFD's work!

[haulingthescoreup]

Ha! I would be in the same range as fused!

edited to remove something that looked really weird when I looked at it again

Message Edited by haulingthescoreup on 11-21-2007 05:41 PM

[fused]

If I had it my way, everyone would be in the 800 club. There are very few in this club who visit us. Some months ago I was in the 800 club with a TU score of 804, but thanks to their archaic scoring model, my Amex Gold card reports as an other open and still it factors in util% calculations and because of this it raised my overall util to 18% and my score plunged 31 points.

[notmyname]

Do you think the new FICO 08 , or some subsequent model will ever deal with the charge card issue. I have built such a good record and score using mostly amex products. I am happy with where I am , but do wonder where I might be with my score if I did not rely so heavily on amex (that's not going to happen though).

It is frustrating to me because I have plenty of credit in use but I believe it is paying off several amex cards on time , every month , for years that should really be telling about my ability to handle credit.

RP

BTW   This gadget hit my top and bottow numbers right on target. I went back and adjusted the debt and utility I expect to have by next summer and I must say I liked the look of those numbers too.

Message Edited by notmyname on 11-22-2007 08:05 PM

[Anonymous]

Close...Gave me a range of 705-755...Actual 738..

[haulingthescoreup]

It's fun to do it three times --one for what's on each report (different inqs, different oldest account, and so forth.

[Anonymous]

if i get the cap one lates from 03 off tu and eq, (w/o them deleting the tl) at 39% utilization (guessing high) it says 650-700!