The Master FICO Score Simulator Results

[jcshadow5]

Simulator Results

 

Your current FICO® Score is:

791

 

Your simulated FICO® score would be in the following range:

791 – 831

Best Action - Pay Down 90%-100% of Your Credit Card Balances - Over the Next 24 Months

 

 

 

Only have 64.00 reporting this month. LOL

 

But for sure need 12-24 months to clear off all my hards on TU 6 and EX 4

[VK]

Oh, when you sign up for the free 10-day Trial of myFICO Score Watch, you have access to the report they pull.

 

When you cancel, that report disappears.

 

so, with 10 day trial, you get your FICO score for free, and the simulator? any risk of added C* if you sign up? and it probably counts as 1 pull, right?

 

thx!

[BobWang]

Oh, when you sign up for the free 10-day Trial of myFICO Score Watch, you have access to the report they pull.

 

When you cancel, that report disappears.

 

so, with 10 day trial, you get your FICO score for free, and the simulator? Yes, for 10 days

any risk of added C* if you sign up? You also sign up for the C* list

and it probably counts as 1 pull, right? Yes

 

thx!

[VK]

Oh, when you sign up for the free 10-day Trial of myFICO Score Watch, you have access to the report they pull.

 

When you cancel, that report disappears.

 

so, with 10 day trial, you get your FICO score for free, and the simulator? Yes, for 10 days

any risk of added C* if you sign up? You also sign up for the C* list

and it probably counts as 1 pull, right? Yes

 

thx!

 

BW, since I am already on the C* list - this is the worst they can do, right? you don't get C*squared, as in they wipe out your softs, or anything like that?

[VK]

oh, and what FICO report do you get with SW?

[BobWang]

Oh, when you sign up for the free 10-day Trial of myFICO Score Watch, you have access to the report they pull.

 

When you cancel, that report disappears.

 

so, with 10 day trial, you get your FICO score for free, and the simulator? Yes, for 10 days

any risk of added C* if you sign up? You also sign up for the C* list

and it probably counts as 1 pull, right? Yes

 

thx!

 

BW, since I am already on the C* list - this is the worst they can do, right? you don't get C*squared, as in they wipe out your softs, or anything like that?

No, that's in the Double Jeopardy round, which only an unlucky few have gotten to.

[BobWang]

oh, and what FICO report do you get with SW?

Equifax

[VK]

Oh, when you sign up for the free 10-day Trial of myFICO Score Watch, you have access to the report they pull.

 

When you cancel, that report disappears.

 

so, with 10 day trial, you get your FICO score for free, and the simulator? Yes, for 10 days

any risk of added C* if you sign up? You also sign up for the C* list

and it probably counts as 1 pull, right? Yes

 

thx!

 

BW, since I am already on the C* list - this is the worst they can do, right? you don't get C*squared, as in they wipe out your softs, or anything like that?

No, that's in the Double Jeopardy round, which only an unlucky few have gotten to.

 

Thanks! debating whether I should get it now, or wait until I finish B* and my AmEx is backdated to check how close I get to 800.

[Riled]

Damn that UTIL

 

[goldtrad]

There *IS* a serious side to this thread.

 

I seem to remember people posting outrageous FICO Simulator predictions.

 

In my case, if I lay low, I can certainly see hitting the midpoint of the predicted range in 2 years, for an 822.

 

I never found mine to be too accurate. I was able to score higher than the top of the range predicted for 24 months perfect history within 3 months.

[CIO]

Read it and deal with it, BW.

 

[trying_to_improve]

TU is 724...best action is 724-744

EQ is 702...best action is 732-772

 

Best action on both was to pay bills on time over the next 24 months.

 

 

What!! You mean all I have to do is pay my bills on time and I'll achieve a higher fico?? If I had known that, I would have been doing it all along!

[blowanecho]

My EQ is currently 741.

Best action is to pay off all debt. $3333 on one card.

Estimated score 831-850. And USAA won't approve me for rewards right now

[virtualtreasure]

"no actionable negative factors"

[BobWang]

Read it and deal with it, BW.

 

[markca]

Mine on EQ:

 

 

My one BT catch all card is likely hurting this.

Edited July 30, 2011 by markca

[Conflictxnj]

Edited July 30, 2011 by Conflictxnj

[paulsc]

I've got $41 reporting.

 

I applied for a Discover card last month and they said my EQ FICO score was 699 (got declined), the only difference being 2 more inquiries over the score below.

 

How much does the AAOA account for the score? Mine is about 2.5-2.9 years depending on the bureau and with 4 new accounts that will be reporting shortly it will drop to about 1.6-1.8.

 

 

[inthematrix]

Okay, I'll play. But it's not pretty...