How high are you %'s now are they over 30 for them all?! Also do you have anything else on there? How soon are you looking to do your loan I know when the 7 months go up to 1 year that will help out as well if you can wait out the 5 months?! Well technically into the 6th month XD
@Jdman wrote:4 out of 6 of them were maxed out(higher then 95%}. They have been paid down or will be paid down within 2 days. I have 1 CC that's balance is $3600 and it was at $3450 but I am paying it down to only owe $650 and I will pay that off the end of March. I also have 2 auto loans and 3 installment loans that are all paid on time
You haven't applied for any new credit in the last few months have you?! When opting for a Home loan you don't want to touch your Credit for at least 3 months before applying. Also try to get all under 30% UTL will help you a ton, I would still have a super small balance not a Zero balance unless you are shooting for the AZEO method 
@Jdman wrote:Is the FICO Simulator accurate? I am trying to qualify for a home loan and my scores are low. I am in the process of paying down my credit cards to below 10% on 5 of them and 20% utilization on the larger one. I need 40 points. All my other accounts are current but my only other problem is my age of accts is 7 months bc I paid off 2 auto loans
1. No the simulator is not accurate.
2. That's good about paying your credit cards down, but you might squeeze a few extra points out of your mortgage scores by trying to zero out some of the credit cards, while making sure no individual account exceeds 28% utilization (the mortgage scores love zero balances).
3. Paying off the auto loans doesn't affect your average age of accounts, unless they've been dropped from your credit reports. Usually closed accounts stay in the reports for years.
4. I don't know what you mean "all other accounts are current". If you pay in full, but don't pay until after the statement date, the statement balance is being counted in your utilization percentage.
Simulators are basically a guess based on certain aspects of your credit file. Some find it's predictions to be close, others find it's way off. I would say a simulator is not reliable. You'll find others have stronger language for simulators.
I'm unaware of any simulator that predicts MTG scores as they respond differently than FICO 8 scores. Whether the prediction is close or not the other thing to think about it most simulators only provide a prediction of one of the bureaus FICO 8 scores. The score your LO will use for a MTG is the middle MTG score of the 3 bureaus.
Example: EQ - 700, TU - 760, EX - 710. 710 will be the MTG score used by the lender.
Some peoples MTG scores are higher than their FICO 8's. It's all profile specific. My MTG scores are much lower than my FICO 8 scores (I believe partly due to re-financing my MTG not long ago - high MTG UTL and relatively new account); and although all scores may penalize you for new accounts, not opening new accounts within a year of apping a MTG is always suggested because of it's impact on MTG scores. Do you know your MTG scores, all 3?
@Girlzilla88 wrote:
@Jdman wrote:4 out of 6 of them were maxed out(higher then 95%}. They have been paid down or will be paid down within 2 days. I have 1 CC that's balance is $3600 and it was at $3450 but I am paying it down to only owe $650 and I will pay that off the end of March. I also have 2 auto loans and 3 installment loans that are all paid on time
You haven't applied for any new credit in the last few months have you?! When opting for a Home loan you don't want to touch your Credit for at least 3 months before applying. Also try to get all under 30% UTL will help you a ton, I would still have a super small balance not a Zero balance unless you are shooting for the AZEO method
^^this!