Hey,
the only FICO score I can log into is Equifax and it's at 638 (Fakos in June were in mid 500's). This doesn't take into consideration that my util was 90+% but after last month I paid more than half of that ($330+ out of $597 balance on 2 starter cards).
I know the simulate mentioned a nice little bump. Thing is, I also expect Crown Jeweler $2500 limit to show in August. If I was projected to be 680+ just by paying $597 over *2 months*, one would assume I can maybe hit 700 by doing both?
Have you noticed the simulator to be accurate for my 'bucket' and do you think I am over-rating my chances to hit 680+ within 3 months?
Thanks for your time. I've waited YEARS for this chance and I have YOU all to thank
PS. I am afraid to find my TU/EX scores as they report 2 collections (paid) that EQ does not. I cannot log into them yet but I figure they are hopeless.