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score cruncher/simulator wrong or right?
I find score cruncher/simulator quite deceiving, if you make 24 straight months of on time payments you get ZERO increase but if your late 30 days on one card it drops dramatically, also if you transfer to new card it goes down 82 points, so a 0% rate for one year instead of 23% is some how BAD, a loan drops you 54 pts and yet a foreclosure is only 18. I transferred 3 months ago and my score went up 84 pts. this is just to messed up to even think about

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