I just purchased access to the EQ Score Power and noticed they have a feature called "Best Action" which is part of the Score Simulator. Has anyone ever done the suggested action and received the associated increase? It's interesting because EQ will tell what you need to do that would get the highest increase in FICO. Apparently, if I pay off my CC, I'll see a jump of 70+ points.
The only best action it suggests is to "pay down your balances", and gives a 20 point range of what your scores would be if you did pay it down. But then, we all knew that. No great discovery there. It doesn't include an option to see how badly your score was affected by a negative tradeline. That is, a predictive score of what the score would have been, had that TL been NOT there ... THAT WOULD HAVE BEEN THE BEST VALUE.
