Originally Posted by pdxhawk
Here's a FICO score estimator. I've played around with it and varying the number of cards/applications doesn't seem to affect the estimated score. Of course, this is just an estimate.
http://www.bankrate.com/brm/fico/calc.asp
I just did this and I don't believe anywhere it asked about my income... doesn't Income play a big role in your score. I mean.. if you have $5000 in debt (out of $6,000 available credit) but make $500K annually, your score can't be that bad.. assuming you pay it timely etc.. but If I have the same $5000 debt (with the same $6,000 in avail credit) and $10K annual income and make the minimum payments and lets say its a 25% interest rate.. how can I have a the same score