Enhancement to FICO SCORE SIMULATOR

[tex2step]

I think a good enhancement would be to allow us to remove anything from our credit report in the simulator so we could see the result of closing old unused accounts and removing creditor info.

[smallfry]

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@tex2step wrote:

I think a good enhancement would be to allow us to remove anything from our credit report in the simulator so we could see the result of closing old unused accounts and removing creditor info.

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You want the keys to the Kingdom?

[tex2step]

I'm willing to pay for it, just like some of the services here.. so yes!

[John060675]

I agree with you, that would be a rather wonderful tool to utilize.  I know they will never do this though, because it would allow us to understand their magical formula more.  That is one thing that chaps my fat a**.........The FICO score controls our life to a certain extent.  In my opinion, as a consumer we should know exactly what causes what and by how much on our credit report.  Just reading the posts on this forum proves to me that credit is so misunderstood.  I think the CRA should be required to post exactly what causes what.  At least the consumer will know what to expect and how to plan accordingly.

Well that brings a good question that I have not seen posted.  Why do the CRA not allow us to see their formulas?

Sorry for the rant, but I feel better now!