High installment balance as a negative disappeared once the balance went under 50% of the original loan amount. Score from 726-733 month over month. Negatives listed are public record and short account history. Oldest account 13 years 9 months AAofA 4 years 2 months. Length of credit history good all others very good. Simulator 733-756 1 year and 2 years payment history. This seems to be broken. 2 months ago it read 720-740. TU at that time was 720.