Simulator pay down revolving test

There is another thread about the simulator and paying down installment loans. I don't have student loans so I have no option to pay those down in my simulator nor do I have an option to pay down my auto loan. There is a lot of skepticism towards the simulator, maybe this will help. I am running 8% utilization with 3199/40750. I only have 3 cards. Balance is on one card at this time for testing purposes, screenshot from CCT I used the simulator slide tool to figure out how much to pay down to maximize all 3 scores.I have fresh reports so the only change will be paying down ~1850 of 3199My statement cuts today or tomorrow, so I should have datapoints within the week. Simulator ProjectionEQ 723 -> 738TU 739 -> 739EX 725 -> 730

inverse wrote:
As stated above, all of my balance is on a single card for testing purposesIn addition to testing the accuracy of the simulator, this will show taking <10% overall utilization on a single card with the rest a 0% to <10% of the highest cards limit on that card with the rest at 0% Oldest account is 18 years, AAoA is 8 years The true open dates are nebulus as each of these has at some point in time "closed" the prior account at "consumer's request" and then started over the same month with new account numbers, some of which have fallen off my report as closed accounts and I have no idea why it was this way For the purposes of this test I'll use the dates on the reportCap One Platinum 2/2006 (I think originally this started in 97 or 98)USAA AMEX 2/2007 (Pretty sure this is the actual date on this one as its also the "member since" date)BOA M/C 10/2007 (Previously an MBNA card from 1996) Cap One Platinum 0/8250USAA AMEX 3199/19400 16.5% utilization on this card, 8% overallBOA 0/13100 USAA AMEX 3199 -> 1299 plus whatever small finance charges I may have for the last month Statement date is today or tomorrow, no other changes "expected," so this should be a good datapoint.While we wait, I have a question. With cards aged this much, and utilization this low, do you know why your scores are not even above 750 already?

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Need a 4 point increase, I have $2K to pay down cards. How should I distribute it?

I found a lender I liked and 4 of my friends reccomended him to me. So I applied for a Pre approval for a VA loan yesterday. I knew I had a 616 mid score going into it as I pulled from here but he seemed confident that his scores would be different. He pulled the credit and got the same scores I had gotten from here. He ran all my stuff though AU and said everything looked good from a DTI side for the ammount I want. The only problem is the AU wanted my mid score to be a 620. I was planning on this since I already knew my score and I spoke with him about pulling 2K of my 6K reserve to pay down cards. I had actually managed to not send him my account statement for the account this money was in on accident so he had no idea I had it. My scores are EQ616, EX616, TU658, I need to get that mid score up to a 620. Hopefully with room to spare My CC balances areNFCU 15K limit / 14611 balance 97%chase 1500 limit / 1119 balance 75%BOA 2500 limit / 2352 balance 94%Cap1 3600 limit / 3340 balance 92%Mil star 2740 limit / 1327 balance 48%WF 700 limit / 0 balance 52% currently reporting bal of $367, hasnt reported since paying it off.NFCU 10K limit / 0 balance This one is a Checking line of credit for overdraft so I cant transfer to it to drop the utilizaion on my other cards. Total 36040 limit / 22749 Balance 63% utilization I was thinking of doing this$750 on boa bringing it down to 64%$750 on Cap bringin it down to 71% $500 on chase bringin it down to 41% Or shoudl I do $1000 on Cap1 bringing it down to 65% and only $250 on Chase bringing it down to 60% Would it be more benneficial to distribute it accoss multiple accounts or just paying it all on one? I dont need help with the DTI so Im not worried about dropping the payment. Just need to get my score bummped up. The CS simulator on here says paying down 2K should get me a 20pt bump acrross all three scores but hat is the fico 8 score not my mortgage scores. Thanks for any help or input everyone!

The_ocho wrote:
I am active duty military and received orders last week to move. Looking at rental properties in the area I would pay around $3-400 more a month for rent vs a mortgage payment on homes adequate for my family. Mortgage payments for homes in the price range I am looking at would be about $1-200 cheaper a month than my current rent payment I have been paying for the last few years. Deposits, and pet fees on the rental would come up to what I could potentially be paying in closing costs assuming we are unsuccessful in having the seller fully or partially cover them. I already have all the standard appliances if I should need them for the purchased home. I have been living in a home the size of what I am looking to purchase so utilities and stuff like that I am accustomed to paying. The tax benefits will help too. I completely agree that I/we are not in a perfect situation to purchase at the moment but from my point of view it seems like a good time to do it. Our DTI is adequate and our residual income way higher than what is required by the VA. My wife does not have any debt other than her car payment and will be keeping her job up there. I just have the cards listed plus a car payment. Interest rates are NFCU CC is 10% Cap1 is 4% Chase 20% BOA 15% Miltiary star 9% I am not factoring it into my decisions of rent vs buy but I will be reciving a $8-9K bonus in the next few months that would go directly to CC debt. Just bad timing with the suprise move. My logic may be way off here and if you have any insight I am not seeing or factoring in please let me know. Sounds like a rational decision; just as Gmood suggests there are unexpected expenses with home ownership and a majority of homes need some work as soon as you move in in many areas. Houses can take a month or two to close on as well assuming you find one both you and your wife can agree on quickly. Beyond that I can't fault your thought process at all personally. Pay down the nearly max cards and see where you wind up FICO score wise, I don't think 4 points is much of a problem with that much revolving utilization but address the accounts which are hurting you the most. Not entirely sure if the line is at 80 or 90% for that FICO penalty as I never saw a good number below 93%. $400 to BOFA$500 to Cap One You don't have enough to be "sure" on the NFCU card nor enough to take one of the other tradelines to zero, me personally I'd probably just dump it to the highest APR card which sounds like your Chase account, but if you pay it towards the NFCU account if you find another ~$200ish you might get a boost there for getting under 90%, hard to say as I never saw good data in the 80-90% range on it unfortunately but a lot of people have quoted 80% over time so may be some truth to it back from the old forum days. Lacking better data just went with that line in the Cap 1 and BOFA payment optimization. Just for personal reference on a mortage score I was tracking a couple years ago I took a card and maxxed it out, from 1 to 13% aggregate, but 1 to 99.87% individual tradeline revolving and went from 660 to 646 and while I didn't get a control point of 13% without a maxxed out card nor a better point with a max card and virtually no aggregate (maybe coming next month from a "lucky" expense hah), everyone else that has tested things over time that I've seen agrees that there's a non-trivial penalty for a card carrying a balance near it's limit. Also repeated the experiment identically at 27% aggregate and single maxxed tradeline, same score movement -14 points on Beacon 5.0 which is part of the mortgage trifecta. Also does your wife have any high limit clean tradeline cards that you could be added to as an AU?

At 625 need 640 for mortgage, what else should I pay down

Company Account number Date opened Balance Status Negative Indicator? [?] University Fcu 6/2010$520Paid or paying as agreedDetailsCapital One 6/2010$0Charged off as bad debtDetailsUniversity Fcu 12/2011$2,202Paid or paying as agreedNoDetailsUniversity Fcu 3/2014$1,302Paid or paying as agreedNoDetailsSecurity Finance Corpora 12/2014$380Paid or paying as agreedNoDetailsUniversity Fcu 6/2012$0Paid or paying as agreedNoDetailsUniversity Fcu 6/2011$0Paid or paying as agreedNoDetailsUniversity Fcu 6/2011$0Paid or paying as agreedNoDetailsUniversity Fcu 2/2014$12,926Paid or paying as agreedNoDetailsSantander Consumer Usa 6/2010$030 days past dueDetailsUniversity Fcu 6/2010$0Paid or paying as agreedNoDetails I can pay down my loc with my cu, and pay down my cc its at 14% I can pay down to report under 9%, that might give me a boost. I took out that SF loan for a boost, I owe 270 on it, it hasn't report since late April, so maybe it will report this month, last time it reported I got a 19pt increase, anything else I need to do, I can't apply for anything, I'm officially applying for a home loan next month, I need 15pts! The baddies I have left are that charge off, and on my EX I have 3 medical bills in collection, and one my EQ I have one med collection, was told to leave those alone. The neg on my cc was when I was 30 days late back in 2013. I can pay down the line of credit will that help?

nate79416 wrote:
Company Account number Date opened Balance Status Negative Indicator? [?] University Fcu 6/2010$520Paid or paying as agreedDetailsCapital One 6/2010$0Charged off as bad debtDetailsUniversity Fcu 12/2011$2,202Paid or paying as agreedNoDetailsUniversity Fcu 3/2014$1,302Paid or paying as agreedNoDetailsSecurity Finance Corpora 12/2014$380Paid or paying as agreedNoDetailsUniversity Fcu 6/2012$0Paid or paying as agreedNoDetailsUniversity Fcu 6/2011$0Paid or paying as agreedNoDetailsUniversity Fcu 6/2011$0Paid or paying as agreedNoDetailsUniversity Fcu 2/2014$12,926Paid or paying as agreedNoDetailsSantander Consumer Usa 6/2010$030 days past dueDetailsUniversity Fcu 6/2010$0Paid or paying as agreedNoDetails I can pay down my loc with my cu, and pay down my cc its at 14% I can pay down to report under 9%, that might give me a boost. I took out that SF loan for a boost, I owe 270 on it, it hasn't report since late April, so maybe it will report this month, last time it reported I got a 19pt increase, anything else I need to do, I can't apply for anything, I'm officially applying for a home loan next month, I need 15pts! The baddies I have left are that charge off, and on my EX I have 3 medical bills in collection, and one my EQ I have one med collection, was told to leave those alone. The neg on my cc was when I was 30 days late back in 2013. I can pay down the line of credit will that help? I cannot tell what kind of accounts these are. For best scoring, you want all but one of your revolving accounts reporting $0 balance, and the one repoting a balance should be under 10% of its limit. You also get a bit of a boost when your installment loans go below 50%

Test Management Reporting drill-down on Test packages / test sequences?

Hi all,
I'm looking for a way to drill-down my test management reporting down on testpackages or even single test sequences.
Currently, I have only the test plan as lowest level available.
And it would be really great to have some more details to report.
Happy for any ideas,
Jan

Hi ,
You can try below Simple Steps ;
(generate using Wizard)
1. On Solution Explorer -> Right-click on Reports -> Select Add New Report
2.Click on the Next Button -> Give a Data Source name and Click on the Edit Button
3.Select Server Name -> Select "Use SQL Server Authentication" Radio Button
4.Give User name and Password -> Select Database Name and Click on the "OK" button.
5.Press the Next Button -> type your Sql Query -> NExt
6.Select Tabular Option and Click on the Next Button
7.Select [LOC_NAME],[Emp_NAME] for the Group list and the TotalEmployee is for Details -> Next
8.Select Stepped option -> Enbale Drilldown -> NEXT-> Finish(you can use this option if only you require Drilldown option in your report else you an ignore this or simply click next.)
9. Delete EmployeeName Column -> Paste Emplyee Name Next to LocName As shown in Image.
10 . Delete table1_Details_Group in Grouping Pane
11. Type =Sum(Fields!TOTAL_CUSTOMERS.Value) for Total Customer
12. Right Click on Emp_Name Row -> Insert Row -> Outside Group Above -> TYpe Employee
Thanks
Please Mark This As Answer or vote for Helpful Post if this helps you to solve your question/problem.

Paying Down CC

Paying down one of my credit cards brought my score down 9 points. Whyyyy?

I know Util % isn't everything but maybe that could of done it? Are you sure that's what caused it? I try to keep balances on a few cards regardless. I lent my father some money to pay most of his credit down and it went down a few points then back up. I don't know understand it. I think some lenders want to see some type of balance. Sorry

Error while simulating Pay Plan

Hi
I created a pay plan item and trying to simulate the pay plan.I am getting the error "Error in debit entry Simulation". Could anyone suggest how to get around this error
Thanks and Regards
Varadarajan B

Hi Varadarajan,
At first I assume that you are talking about an FS-CD Payment Plan. Is this correct? At second I assume you are referring to the Structure "SVVSCPOS_B" (Direct Input Structure of Payment Plan Items). Is this correct as well?
If, and only if both assumptions are right: what 'nature' does the underlaying Payment Plan Item have? I assume it isn't a One-Time Payment (means: PSNGL = ' ' blank), when you execute 'Simulate Payment Plan' for a particular Insurance Object - Business Partner - Relationship, based on at least one item, or multiple items in table "VVSCPOS" (Payment Plan Item).
Moreover: Are all important FS-CD Posting Areas (for example see transaction "FQC0", and table "TFK033C") properly configured?
How did you create the Payment Plan and the Payment Plan Item(s)? I strongly recommend pretending being a feeder system and utilizing the special transaction 'VKTT'. Starting with "Read Partner - Application Server partner_std.txt > Continue" you will find in the main menu "Goto" for branching to Partner, Account, Ins. Object, or Payment Plan. Thus, you should create via VKTT
a Business Partner,
a Contract Account (with Relationship to this Business Partner),
an Insurance Object (with Relationship to this Business Partner) and assigned to the Contract Account, see 2.;
Thereafter you should create 4. an appropraite Payment Plan, of course with at least 5. one Payment Plan Item. Don't forget to save all your cases ;-)
This approach will enable and support you to retest your scenario, and to analyze errors fast and easily, when you launch Collections/Disbursements > Master Data > Insurance Object > Change (transaction "INSOCHANGE") for the Insurance Object - see 3. - and the Payment Plan/Payment Plant Item - see 4. and 5. - you created through VKTT.
If an error message occur, you should go to the Help and analyze the provided text. The AGS xSearch could help you in finding the root cause, please see "Home | SAP Support Portal" <Login with your S-User or C-User) > "Knowledge Base &amp; Incidents | SAP Support Portal" > "Search for a Solution | SAP Support Portal".
Does this help?
Kind regards,
Jochem

Paying off revolving debt with consolidation loan question

I had 20k in cc debt and i took out a consolidation loan to pay it off. will my credit score go up becuase my cc debt is 0? i know credit card limit utilization is a big factor so seeing its now 0$ on all cc will that help even tho my actaul total debt didnt go down?

ralph9983 wrote:
I had 20k in cc debt and i took out a consolidation loan to pay it off. will my credit score go up becuase my cc debt is 0? i know credit card limit utilization is a big factor so seeing its now 0$ on all cc will that help even tho my actaul total debt didnt go down?It depends on how much your UTI was hurting your scores. Without knowing the details, it could have been a little, or a lot. You'll know when the cards all report.

Cp5.5, system simulation - drop down menu?

Good morning.
I've never really found an elegant way to do this in captivate, but when building a simulation is there an efficient way to build in a drop down menu that learners can use to select from a list of items?
I've tried the quiz question method and that didn't work for me because I had multiple objects on the page that the learner needed to interact with, and I couldn't control which order they'd select them.
Ideas?

Andy,
I wanted to propose the dropdown widget, but in CP5.5 it is cause of memory leaks (like the combobox widget that is almost the same). That problem seems to be solved in CP6. That was the reason I never blogged about those two widgets. An alternative could be the Listbox widget, but that allows users to select more than one item. If they don't know about that possibility and you define only one variable (you can have more), this wil not be a problem.
Lilybiri

FEATURE REQUEST, Deduct not payed down payment from final invoice

An AR Downpayment invoice that is not yet due or paid when the final invoice is made, will not be deducted, and you will not be able to take these down payments in to account when the Final invoice is made.
This request is that we would like a check box or similar that makes is possibel to calculate final invoice based on selected or all downpayments regardles if they are paid or not.
The oil industry has several month's payments terms, and in many cases the down payments have a due date that exceeds the date when the final invoice is created.
So when the final invoice is created, and you recieve the messages "One or more payments that are linked to the base document(s) have not been paid. Continue?" (se attatchment) it should be possible to choose if you want to deduct these (some or all)down payments or not.
Then Down_payment invoice should remain open for incomming payments at the cutomers Account balance.

Hi,
Please repost as above query as discussion with question type to get quick assistance.
Thanks & Regards,
Nagarajan

What is the T code for paying down payment for assets

hi,
please let me know if , f-90 has to be used for downpayment with transaction type 180, or there is any other transaction for it

Hello Sai
Define the asset number and sub-number as optional entry in accounts payable Customizing in the field status group for the reconciliation account for vendor down payments (transaction OBC4).
In the field status of the posting key for vendor down payments, you also need to define the asset number and sub-number as optional entry.
Then you can enter the asset under construction when posting with F-48 and accounts for asset down payments will be posted.
Regards
Javier Reviriego

Getting a personal loan to pay down CC debt

I am a recent college graduate and while in school I used CC's to help me get by, I have about $11,000. in CC debt and also about $11,000 in student loan debt, is it wise for me to get a personal loan to pay off the CC debt? Any suggestions or input is greatly appreciated.

tracy829 wrote:
I am a recent college graduate and while in school I used CC's to help me get by, I have about $11,000. in CC debt and also about $11,000 in student loan debt, is it wise for me to get a personal loan to pay off the CC debt? Any suggestions or input is greatly appreciated. Yes, you should consider a consolidation loan. No, you should not...let me expand. Consolidation loans can be a very useful tool to get you out of CC debt, to lower your APR and thus lower what you need to payback overall, and to get you on a strict payback plan that will lead to paying off the debt faster. Consolidation loans require personal and mental strength as they make it look like you are out of debt, which you are not, you have simply shifted who you owe the money to. Consolidation loans can provide a false sense of security and freedom that, if you allow it, can get you to run your CC's right back up to the limits. Then you will have an 11K loan and 11K more in CC debt. Yes, everyone thinks they are strong enough and that it won't happen, and many indeed are strong enough, and it seems you had a very specific scenario that led you to CC debt, that being college expenses. However, if those "college expenses" were parties and beer then that lack of control has a high likelyhood of rearing its ugly head once more. If you go through with consolidation be very careful and ensure you have a system set up that will not allow you to simly re-run your cards back up and dig yourself a deeper hole - one that you may not be able to get out of without considerable effort.

Re:what is the T code for paying down payment for assets

when am using t code f-90 for downpayment of assetswith transaction type 180, at the last when am posting, its giving an error of inconsistent because of different document structures, am getting the error while trying with document types kr, kz. please help me out in this

hi,
waht is your error message?
-> try tcode FBA7
A.

Trade in upside down car with cash or pay off CC

Didn't see another forum to put this ? at... I am approx 3700 upside down on my current car, and with my family growing, I need to scale down accordingly and change cars. I have 59 months left on my current car note, which I could trade in and add approx 3k to get out of it, then buy a used camry or accord for 12-14k and pay it off in 36 mo. Monthly savings on loan payment would be 115 mo but paid off car 2 years faster. Or.. I could use the cash I would give to make up the deficency balance on my car and pay down my 2 CCs that are above 90% Util.

StartingOver10 wrote:
One more tip: if you have a CarMax in your area, you can take the vehicle there to get a price. They buy vehicles with no obligation to get one of theirs. Their quote is good for 7 days. The good thing about getting a written quote from them is you know the low end of the market pricing .IME they offer more than most dealerships do for a trade, but less than private party. Sometimes it is just easier to go this route (through CarMax) than private party. You might be surprised. I sold two vehicles to them and got more than i had estimated +1 on the CarMax recommendation; there are also some CarMax competitors that have cropped up in the past year or two and they're offering incredibly sweetheart deals if your car is "marketable." @OP: Didn't see this but what's the APR on your current loan anyway vs. the APR on those credit cards? 59 months left out of a 72 or 84 I would assume? Generally speaking it makes sense to airstrike CC debt over any secured debt instrument, but if the car isn't working for you anymore, it's not working for you and if you have to change with increased size of family, well yeah, welcome to being an adult I guess . If you have some time, might not be terribly bad idea to at least look at refinancing the vehicle. End of the day look at your debt and cashflow post transactions, as that's highly variable as a result of balance size and APRs in this case of the various tradelines, and do yourself a favor and do evaluate the "need" of the vehicle switch, not saying it's wrong and appears written planned on the page from my perspective, but might make sense to delay that somewhat financially. You have options in this case.

G4-450 dual back from repair shop: new power suply shuts down on its own!

Hi
My G4 450 Dual died on me a few months ago, i went to a Apple authorized repair place and was charged over 200 euros+ for a new Power Supply, Obviously they never tested the computer at all before installing it, i know this because when i took it home it started shutting down by itself.
When i took it back to the guys at the shop i was told that it was on all night and it does not shut down, but yet the firewire bus was dead and its due possibly to the logic board and would need to be replaced!
They tell me this after they installed a power suply and charged me money when i asked them to give me a estimate first, now i dont want the pwoersupply all together, do i have the right for my money back for the power supply, i agreed to pay them to test it for the charges of a hour.
please advise anyone..

You are definitly entitled to your money back, they sound like cowboys...

PC as Multiple device simulator

In order to test a large piece of software, I need to simulate a number
of devices. To achieve this, my simulator needs to capture the address
of the device that the controller is Talking to, and Listening from. How
is this done?
I am planning to use a PC running DOS, and with the simulator written in
C.
Sent via Deja.com http://www.deja.com/
Share what you know. Learn what you don't.

From my experience with GPIB I can think of two ways this might be
accomplished - I don't think it would be possible to change the GPIB adress
on the fly.
#1. Use mutiple GPIB cards with each card set up to the GPIB address of the
device you are simulating - the down side to this is that you could probable
only plug in 2 or 3 GPIB cards before you ran out of IRQs and DMA channels.
#2 Use multiple PCs with each one simulating a particluar device - 386 or
486 PCs (cheap and available) should be up to the task - this has the added
benefit of a more realistic simulation since you have all the loads and such
as the final system would.
Good Luck
Chris
[email protected] wrote in message <7lt78g$gsg$[email protected]>...
>In order to test a large piece of software,
I need to simulate a number
>of devices. To achieve this, my simulator needs to capture the address
>of the device that the controller is Talking to, and Listening from. How
>is this done?
>
>I am planning to use a PC running DOS, and with the simulator written in
>C.
>
>
>Sent via Deja.com http://www.deja.com/
>Share what you know. Learn what you don't.

Simulator pay down revolving test

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