I think it is fairly accurate. About a month ago I was planning on paying down a lot of my revolving debt so I ran the simulator for that scenario and it indicated a that i would see a score increase of about 35-70 pts. The new revolving debt balances just posted and my EQ FICO went up by 74 points. The only changes on my report was the utilization went from 45% to 15% and I had 1 new credit inquiry (Macy's card).
FICO: EQ 769, TU 762 , EX ???
