Simulator Results
Your current FICO® Score is:
664
Your simulated FICO® score would be in the following range:
704 – 744
Paying your bills on time is a substantial factor affecting your FICO® score. Generally speaking, if you have no negative items on your file, your score will remain fairly stable as you continue to pay your bills on time.
If you have some history of late payments, how recent they occurred is important. The more recently they happened, the more impact they will likely have on your score. As they age, their impact on your score will gradually lessen.
This simulation was based on your making payments on all of your bills for the next 3 months.
Starting Score: 656Because that is an entirely different Mortgage percentage rate, and waiting 3 months if this information is "correct" would have huge financial implications. So if it is not correct, how is MyFico allowed to publish this or even charge for incorrect advise? I have not received 1/3 of this "score" increase over the last month
@marty56 wrote:It could be correct if you have a derog that is going to age in 3 months to were it either doesn't effect your score as much as it does now or paying down CCC debt. Please provide more info about your credit profile.
The simulator, and in fact FICO scores, are not linear or even continuous for the math majors here. LOL they are better modeled by catastrophe theory.
I assume I am paying for Myfico to look at these details and put correct numbers in the calculations. All baddies are student loan from 2005-2006 scheduled to fall off. Zero balance through consolidation. 10 hard pulls over two years, 6 within 1 year, 3 positive CC, $4 balance. No collections, no public record. AoAA 12 years oldest account 18?
@marty56 wrote:It could be correct if you have a derog that is going to age in 3 months to were it either doesn't effect your score as much as it does now or paying down CCC debt. Please provide more info about your credit profile.
The simulator, and in fact FICO scores, are not linear or even continuous for the math majors here. LOL they are better modeled by catastrophe theory.
6.9 WHEN PAID according to DOC of the department of education. If not paid then forever? Or you can rehabilitate and erase the marks
@Anonymous wrote:
@Student_Loans_Kill wrote:
@marty56 wrote:It could be correct if you have a derog that is going to age in 3 months to were it either doesn't effect your score as much as it does now or paying down CCC debt. Please provide more info about your credit profile.
The simulator, and in fact FICO scores, are not linear or even continuous for the math majors here. LOL they are better modeled by catastrophe theory.
I assume I am paying for Myzfico to look at these details and put correct numbers in the calculations. All baddies are student loan from 2005-2006 scheduled to fall off. Zero balance through consolidation. 10 hard pulls over two years, 6 within 1 year, 3 positive CC, $4 balance
@marty56 wrote:It could be correct if you have a derog that is going to age in 3 months to were it either doesn't effect your score as much as it does now or paying down CCC debt. Please provide more info about your credit profile.
The simulator, and in fact FICO scores, are not linear or even continuous for the math majors here. LOL they are better modeled by catastrophe theory.
I'm unsure of this, not 100%, but I thought student loans were an exception to the 7 (or 7.5) year rule.
Alert settings
You will be alerted:
- Whenever your FICO® score reaches a target score of 665 [ Change ]
- Whenever one of your accounts has a balance increase larger than 5% [Change ]
- Whenever one of your accounts has a balance increase larger than $5 [Change ]
- Whenever one of your accounts shows new activity after being inactive for more than 3 months [ Change ]
- Whenever a FICO® score change could qualify you for a different interest rate on a 30 year mortgage [ Change ]
(For a score of 664, that means you will receive a score alert if your score goes above 679 or below 660.)