Spunky wrote:I wonder how accurate it is to use their estimator and input a pay down of those account balances.
Again, depends the scoring models in question. I'm not aware of any estimator that spits out numbers for all of FICO's scoring models. Even if the estimator is 100% accurate it doesn't matter if it uses a scoring model that is different from what the creditor uses. Additionally, different creditors use different CRA's. If the creditor doesn't use TU then your TU FICO doesn't matter.
I'd suggest not fixating on scores and instead carefully reviewing your credit reports. Scoring is based on info on those reports. 20 points really isn't much of a change and it's impossible to tell if those 20 points really mean anything significant.