how accurate is bankrates FICO calculator? i know what my ficos were before this last round of disputes and i have another couple weeks before resolution. i don't want to pull a score until i am completely done, but would like to see where it will approximately be. have i said how nice it will be to have a 95% clean/perfect report (only a old bk from 1998 and 2 of the accts that were included still report).