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I’m not sure about the glowing reviews on this. This will give you a good “idea” of your score, but the way it simulates credit is a joke. If you enter in credit simulations like “I want to pay off my credit card debt” you will see ZERO change in score, but it sure will show you what will happen to your score if you do anything negative. The reason I deleted this app is due to the fact that their reporting using VantageScore 3.0 is garbage. Do not trust that at all. And yes, I know VantageScore