turninganewleaf wrote:Is it realistic? I currently have FICO 598. According to the FICO simulator's best plan of action suggests I pay my credit card balances down 90-100% and I'm looking at a FICO score ranging 698-738. Well, I will have all of my cc balances paid to $0 by the end of Dec. '07. Can I really look forward to that FICO score???? If so, that would be great!