How come FICO Simulator does not give complex scenarios like pay down debt + add installment loan and other complex measures to see the score changes. There is no way to know how to reach a desired score number based on the current report and what changes to make it to bring the scores to desired limits. Some times we might have to do multile things to reach the goal. It would be nice to a robust simulator to guide us through. Right now my scores around 660 and there is no way to figure out how to reach 700+ Each simulation gives one choice like pay down credit card debt or add a new loan. It does not give a complex steps as how to reach the desired scores.
There are simply too many factors that go into a score. There's no way a simulator could ever consider them all. Then, relative to one another, there's an infinite number of variables when you take into account time.
