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Why doesnt simulator have the option to paying off all debt?
I have paid off three credit cards and all my student loans have been paid in full as agreed, but my credit score hasn't budged in months. How can this be a fair reflection of some ones creditworthiness? You struggle and bust your hump to get things paid and then get penalized for paying your bills? Talk about a conspiracy! Even better still, is your are granted credit then penalized for using it. Why would someone want a credit card with a $5000 credit limit if they can only use $500 of it without damaging their credit rating? This is the ultimate definition of ludicrous in the extreme!!!

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