http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-increase/m-p/1713728#M67484 <p>yeah congrats, I have found AAoA has a lot to do with credit scores going up and UTL has a lot to do with them going down.  Removal of inquiries also plays a factor. If you have a BKO the older it is the less impact it has on your score as well.  This is also true of accounts that have negative information reported about them.  If you didn't do a thing at all nothing new that is, over time your credit score would go up no matter.</p> Thu, 22 Nov 2012 21:56:45 GMT RonDawg 2012-11-22T21:56:45Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-increase/m-p/1713662#M67482 <p>My score from 582 up to 615. Balance same. Just 3 CA disputed has been update samething and 2 inquiries . How can my EQ fico score went up more than 20 pts like that?</p> Thu, 22 Nov 2012 20:00:34 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-increase/m-p/1713662#M67482 TrishN 2012-11-22T20:00:34Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-increase/m-p/1713666#M67483 Congrats on the increase! Perhaps something aged to a point where it doesn't hurt as much? Thu, 22 Nov 2012 20:13:59 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-increase/m-p/1713666#M67483 Epcot 2012-11-22T20:13:59Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-increase/m-p/1713728#M67484 <p>yeah congrats, I have found AAoA has a lot to do with credit scores going up and UTL has a lot to do with them going down.  Removal of inquiries also plays a factor. If you have a BKO the older it is the less impact it has on your score as well.  This is also true of accounts that have negative information reported about them.  If you didn't do a thing at all nothing new that is, over time your credit score would go up no matter.</p> Thu, 22 Nov 2012 21:56:45 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Scores-increase/m-p/1713728#M67484 RonDawg 2012-11-22T21:56:45Z