FICO Score Simulator

Anonymous · ‎08-31-2007

What is included in the FICO Score Simulator's calculation of revolving debt balance? For Transunion the balance is 2x as high as the total reported on my credit report and for Equifax is about half as much as reported on my credit report.

RobertEG · ‎08-31-2007

If you would like a copy of my own Excel spreadhseet for credit score simulation, which admittedly is based on only my own assumptions, but shows the effects of actions on all categories of the total FICO score, rather than the extremely limited options for only one category, just email me and give me some feedback. I find the current fico sumulators too simplistic, and of little help in seeing the effects across all categories. Edited!

Hi RobertEG:

Sorry to let you know that your post has been edited because it violates FICO Forums Guidelines and Terms of Service, which prohibit: Posts that share personal information such your name, address, phone, email address, or any other identifying information.

Refer to our Guidelines and Terms of Service for more information.

Please feel free to post a revised message – we value your contributions!

Thanks for your help in keeping the FICO Forums a friendly, productive environment for all members.

Fused--

Message Edited by fused111 on 08-31-2007 03:41 PM

Anonymous · ‎09-03-2007

Fused, or any Mod or Admin listening,

I'm a little slow so you'll have to type slowly in order for me to get it. A person can choose to reveal both their name and Email address via My Profile, Preferences, Personal Privacy Settings

They can choose to let ANYONE see it, so why is it verboten to reveal one's name and Email address in a post when one can in effect "post it" for all to see?

Furthermore, I see nothing the User Guidelines.

http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=3

Only mention I see in the TOS states:

Attacks, including “Flaming” another user or entity in such a way as to incite or perpetuate an argument or conflict; creating usernames to attack other users’ identities; impersonating other individuals or falsely representing one’s identity or qualifications; posts made under secondary user names or other aliases for the purpose of either endorsing or denigrating others; posts that breach any participant’s privacy by including name, address, phone, email address, or any other identifying information.

http://ficoforums.myfico.com/fico/board/message?board.id=Welcome&thread.id=2

It seems clear the intent was to prevent disclosing someone else's personal info.

Message Edited by Noah_Bodie on 09-03-2007 10:11 PM

Anonymous · ‎09-04-2007

The problem is that someone with nefarious intentions could masquerade as another person, posting that person's private information without that individual's consent.

Anonymous · ‎09-04-2007

TheNewWorldMan wrote:
The problem is that someone with nefarious intentions could masquerade as another person, posting that person's private information without that individual's consent.

Any objections to someone posting, "I have an Excel spreadsheet, and if you'd like a copy, click on my User Profile to see my name and Email address"?