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I get all my fako scores and a fico score from here and what I find is that no matter what information I put in ANY Of them my scores never change!lol They don't ask for derog info and if derogs are reduced. I can put in a new credit card with a $5000.00 limit and on time payments for 2 years and it NEVER budges! Anyone know why this might be? I am working on rebuilding my credit and I should see a major derog come off this month (bogus loan that was showing 2 120 day lates) and the addition of a new revolving account which should put me to 3 accounts all under 20% util. Should I not count on a bump in score? Simulators are not very good for someone like me.
what is your score now? How long has your accounts been open? any other derogs on your account?