Has anyone tried this? I think it's new. I signed up for the free 30day trial and keep pulling my credit report. Today they have this simulator that you can use to see what your score would be if you paid down balances, paid late, declared BK, got a new mortgage.. It is very cool... I can go from 604-700 by just paying all my credit cards off!! or if I open a new account for 10,000 then my score will go up to 675! It's really cool... However if I went BK my score would drop to 434 Am I the only one to see this? Is this new or did I just now find it..