"Credit Expert is a consumer credit information website from Experian, the nation's leading credit bureau. Credit Expert offers online access to Experian credit reports and a wide range of interactive tools to help consumers better understand, manage and protect their personal credit information. System currently unavailable at this time. Please come back." ---------------------- Ah, should have known. The system is "unavailable." Maybe the long anticipated upgrade is in progress (one can hope and pray) wherein the dickulator, aka the simulator, will report accurately with the home page variables correct, also.