If you order your score from myfico.com, or if u have subscription to get scores, you can simulate your score with possible changes. It is not quite as intuitive as the CE simulator, but, and it's a big but, they claim it is based on the Fair-Isaac scoring model. Currently u can simulate what would happen if you: Pay bills on time Miss payments Pay down the balances on all your credit cards. "Max Out" your credit cards Seek new credit Transfer credit card balances Tried it, seems to work pretty well, except that it gives you a range which your score could be in, not an exact number. Now I'm really happy I got in on that 24.95 a year deal <edit> The range, of course, is because of the unpredicability of their random number generator.
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Re: Full details from their Email Thanks for the update, but I think this has been around for at least a few months now.
