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MyFico Score simulator accuracy and why not EX

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elbori357
Regular Contributor

MyFico Score simulator accuracy and why not EX

Would like to know from some of the folks here on how accurate has the simulator been for them. Also why there is no simulator for Experian?

I had a 58k TL increase making my utilization from 40% to 4% to reported on April and would like to know if that will increase my EX score as it is my lowest for the month of March.

MyFico Pull: TU 838 EFX 841, EX 840. (14 Aug 2020) House Mortage $305k, Car Lease $60,000, AMEX ED 33,000, NFCU Signature Visa $68,000, Lowes Visa 25,000, Cap One Venture $48,000, Navcheck $15,000, Barclay WEMC Arrival+ $41,000, Cap1 Quicksilver Visa $12,000, Chase Sapphire Preferred 15k, Best Buy $19,800, . Overall Util. 2%
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BluePoodle
Valued Contributor

Re: MyFico Score simulator accuracy and why not EX

I was wondering how accurate the score simulator is too?

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
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Imperfectfuture
Super Contributor

Re: MyFico Score simulator accuracy and why not EX

Not so much.  It doesn't take into account stuff aging off.  It's more for what if I do something bad, vs. real life scenarios (getting a cc, mortgage, increasing lihave has some interestinganswered, but dropping sub prime cards for prime cards, getting frogs off, THAT is what I would like to see, and the other scores aren't quite real without those added in).  BUT, it's $14.95 a month, not bad deal for real time alerts.

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