topic Re: 1 year mark......Just curious in Understanding FICO® Scoring

1 year mark......Just curious

hoping2rebuild — Mon, 26 Nov 2012 13:25:25 GMT

OK just kinda curious about this one but did anyone here see in score increase after

Their cards hit the one year mark with perfect payment history?

My cap 1 will be a year old next month and I was just wondering if I would see any change

Thanks :)

Re: 1 year mark......Just curious

Jutz — Mon, 26 Nov 2012 13:27:37 GMT

At the very least you'll gain a couple of points from the inquiry that Cap1 hit you with on all 3 bureaus. Aging has more to do with your AAoA, though I believe you get hit for a new account up front.

Re: 1 year mark......Just curious

Unoriginalnj — Mon, 26 Nov 2012 15:22:29 GMT

I'm currently awaiting my cap one to hit the one year mark in December. Also awaiting two inquires (of 8 total) to fall off by end of year. If it's of any interest I will update this thread when that all happens.

Re: 1 year mark......Just curious

hoping2rebuild — Mon, 26 Nov 2012 16:48:57 GMT

Please do

Re: 1 year mark......Just curious

llecs — Mon, 26 Nov 2012 18:28:52 GMT

IME, yes.....provided I don't have anything newer. I've seen gains of 10-20 as the youngest hit a year. If I had newer accts, the gains would be small, if any.