@clocktick wrote:What are you all looking at your scores and CRs with when you refer to things like "the simulator"? Score Watch?
Whenever you purchase your FICO score here, it comes with a FICO simulator.
You can also use the FICO Estimator - it will give you a broad range. I like to play with the Estimator even though it speaks in broad ranges because it's just kinda fun - and it helps me know what I can do next or what I shouldn't have done before 