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Have any of you used and followed the MyFico Simulator before? If so, how accurate was it? I'm trying to help my brother get his credit prepared for home buying.  The credit simulator indicates that if he pays a certain amount on his credit card, his fico score would improve by 30 points.  Just curious if anyone has tried this.

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16 hours ago, Meow209 said:

The credit simulator indicates that if he pays a certain amount on his credit card, his fico score would improve by 30 points. 

"Utilization" is a huge factor.  A full 30% of your credit score is based on amounts owed vs. credit limits.  Utilization is second in significance only to making late payments, and there's very little difference at that.
https://www.myfico.com/credit-education/whats-in-your-credit-score/

A 30 point increase would certainly not be out of the question.

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