Having begun to get a handle on this scoring lark, I have simulated the next 12 months of my scores and those of my wife. I calaculate this is as good as the FICO simulator 
This assumes I do not change jobs, but a new house or get run over by a bus, and that I hit the regular 1-9%. Current average 730s
July 07 – scores take a hit as I have run my new CC up to33% util in case it does not report CLs. Well be PIFed anyway, half via check and half via online banking (first payment – don’t want ANY chance of a screw up. Once I know online is successful, that is the way to go to keep the magic 1-9%) Average will be 720s
Summer 07 – Fluctuations due to AUs becoming cosigners and the local tornados Average 720s
September 13th – EQ ignores the Cingular inq going away
Christmas – presents from EQ as two more inq’s drop off and a CC has a birthday. Average 730s
New Year 08 – General uptick as another two cards have birthdays Average 740s. Two of the six will be at 800 plus
March 08 – EX allows me to rejoin the credit worthy human race as a derog drops off. They are the only CRA that still has it on. This should increase my EX by at enough to give me average 760s and rising.
Summer 08 – Everything is green on all my reports and those of my wife. All Util at 1-9%. Reasonable number of cards. Reasonable length of credit. Reasonable mix of credit. Minor problem with old closed accounts dropping off. Zero inquiries. No new credit in 12 months. Approaching 780s average.
No! Cingular will place an inq on each of your reports monthly thus..........