I used this software to predict my credit score using an equation that can be found in their website. It helped me understand what factors have the most impact on it. This was very helpful because i had no idea how much of an effect each variable has. The interface needs some work as well but overall its good if you want to use this product. Try out different equations and see which one gives you the best results. Before i started using this tool, i did not know how important variables were when calculating your scores. Now after trying this software, i am able to calculate them with great accuracy.