How long until 700 club?

[sandwich5027]

Inquries are removed after 1 yr.

When I use Fico's Score Simulator, is says in 6 months i will hit 700. Just by paying my bills on time. Also, it says if i pay down 3k my score becomes 680/ Are these estimators accurate?

[gdale6]

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@sandwich5027 wrote:

Inquries are removed after 1 yr.

When I use Fico's Score Simulator, is says in 6 months i will hit 700. Just by paying my bills on time. Also, it says if i pay down 3k my score becomes 680/ Are these estimators accurate?

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The info I have is that the Fico simulator is pretty accurate though I would not totally rely on it and use it only as a guide.

[sandwich5027]

Actually if i pay 3k my score would become 700 as well! So, we will see i guess....