FICO score estimator

[Junejer]

Now, you just have to get a bigger picture of the cheese.

[marty56]

Just for fun, do a simulate action where you pay off $1 on your outstanding balance.  My score would change from 0 to +20 points.  Love that FICO math.  I wish my checking account worked like that.

I would much prefer that:

 I have no fargin clue what your score might be but if you send me $15 I might have a better idea

I think the +20 points is there to tempt me to buy a new Score Power.  Kinda of like a FICO slot machine if you will.  Anyone remember the Twilight Zone episode where they old guy fell victim to the slot machine that followed him around.

Yeah I know its only a simulator and yes conventional wisdom says you sould be down your outstanding balances but I could see a reason when you might only want to pay a balance down so far to get your score above a certian point and use the rest of the money for a down payment on a car.

[Junejer]

Marty, I just did that and my score would range from 740-760. But, by paying down to 9% of my CL, the range is 810-850. Ummm, I like those odds.

[marty56]

I also see a 40 point range in my score at 9%. 40 points would bring all my scores over 760 which is my goal.  If my TU and EX go over 760, that will be a major victory for me.

Anyway we will see what happens to my TU score in a few weeks when my util on my CC repots at 53% from 48 %.  Just 4 fargin points for TU.  Thats all I ask. 

[Junejer]

Sending good karma your way. I would just like to hit the 700 club with EX & TU for now.

[marty56]

Back at you with the good Karma.