They are accurate in a general way. If you generally do this, you'll generally see something like that. But everyone's profile is unique and I haven't seen a simulator that actually references my data points. The one here when I bought my reports obviously wasn't referencing any of the data in those reports and missed some very obvious score changes or had the changes completely in the wrong direction. Had it been actually looking at the data in my reports (which were just pulled), it would have know this. Especially since what actually happened with my scores is what was expected given the general knowledge on these forums of what little is know about the fico scoring models.
