Your current FICO® Score is: 557 Your simulated FICO® score would be in the following range: 697 – 737 Best Action - Pay Down 90%-100% of Your Credit Card Balances - Over the Next 24 Months This simulation was based on your paying down 90%-100% of your overall credit card balances over a period of 24 months. In general, your score will be helped as your credit history lengthens and you establish FICO® healthy behavior. So this score simulation took into account both your lower balances and the aging of your credit history. ------- How is this possible? Right now I have zero revolving credit (no cc) but TU reports I'm utilizing 100% of my available credit. (I have two cc that will first report July 15-24). The EX FICO simulator only has me gaining 10-40 points if I pay bills on time for two years.
To be honest - just about everyone I've spoken with tells me that when they do best "case" scenario under score simulator it tells them pay down 90-100% of your credit balances over the next 24 months and generally reports a roughly 100 point change - this has always been the case with mine as well - I'd be interested to hear what others are finding though
What I love is when I select to pay $1 over next 12 months it will not let me simulate score as amount exceeds balance owed on revolving cc accounts.