More evolved FICO simulator.
Telling me a best case scenario for 24 months in the future is great, but how about telling me for 12 months out, 6 months out, 3 months out?
Allow me to combine things when projecting on the simulator. Pay on time for 3 months AND pay down CCs by X amount.
Report CC util (individual and overall) on reports from MyFico. This would probably give an edge that the Big Three don't have. I daresay a LOT of consumers have no clue about CC util.
Show CC util in the simulator and show how paying down which CC would do what for one's util and score.
For example:
CC - CL - Bal - High - Util
Citibank - 2500 - 1250 - 2400 - 50%
Chase - 1200 - 250 - 1180 - 21%
Orchard - 700 - 680 - 680 - 97%
Cap One - 0 - 38 - 476 - 8%
Overall - 4876 - 2218 - 4736 - 45%
I know how to crunch these things with ease using Excel. This should be a relatively easy thing to code and implement, speaking as an IT geek.