Here's the scenario: On 5/17, balances on my cc's were 5708 and my FICO score was 628. Using the simulator, it says that if I paid down my balances by 1,325, my score would range from 638-678. On 5/20, my balances were updated and they totaled 4,383 (a difference of 1,325) but my score was only 633. I can even go back to my old reports and run the simulations and it still says that I should be at least at 638. Nothing else is different between the reports other then the updated balances. Am I missing something here?
Ummmmmmm you gotta read the disclaimer on the CE website. It isn't for real - the simulator is just to help you understand how the things work.
It's true it doesn't work. It told me if I applied for new credit and at least $5K I would see a 30+ point increase. I didn't apply for anything though. Now that I have a clean report and my score dropped, it shows I would lose points. - Go figure!!
