Reply
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

6th month mark....

[ Edited ]

I checked my EX plus score (FAKO) today and it went from 571 to 647... the only changed that I noticed was my chevron card that hit it's 6th month.... does anyone get a score boost on credit cards that hit the 6th month mark????

 

my FAKO last week til yesterday was 571 and AMEX fico was 657.... since it's 647 now, I wonder if my EXP is finally @700.......sucks we can't buy EX fico...

 

Edit: nvm, my chevron is only 5 months...i wonder what gave it a boost


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Moderator
Revelate
Posts: 9,645
Registered: ‎12-30-2011
0

Re: 6th month mark....


kobe2012 wrote:

I checked my EX plus score (FAKO) today and it went from 571 to 647... the only changed that I noticed was my chevron card that hit it's 6th month.... does anyone get a score boost on credit cards that hit the 6th month mark????

 

my FAKO last week til yesterday was 571 and AMEX fico was 657.... since it's 647 now, I wonder if my EXP is finally @700.......sucks we can't buy EX fico...


Generally speaking, six months is the first "seasoning" boundary that is pretty accepted, though if that were FICO I'd suspect something else changed too.  FAKO scores YMMV, and 571 to 647 on any score sounds to be more than that.  For reference I saw something like 13 points on EQ Beacon 5.0 when my tradelines ticked over six months, and that was even when I'd had a non-trivial increase in my reported balances that month.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: 6th month mark....


Revelate wrote:

kobe2012 wrote:

I checked my EX plus score (FAKO) today and it went from 571 to 647... the only changed that I noticed was my chevron card that hit it's 6th month.... does anyone get a score boost on credit cards that hit the 6th month mark????

 

my FAKO last week til yesterday was 571 and AMEX fico was 657.... since it's 647 now, I wonder if my EXP is finally @700.......sucks we can't buy EX fico...


Generally speaking, six months is the first "seasoning" boundary that is pretty accepted, though if that were FICO I'd suspect something else changed too.  FAKO scores YMMV, and 571 to 647 on any score sounds to be more than that.  For reference I saw something like 13 points on EQ Beacon 5.0 when my tradelines ticked over six months, and that was even when I'd had a non-trivial increase in my reported balances that month.

 


Its just so weird that everythings the same.... besides the chevron limit increase reported... Am hoping my real fico went up

 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: 6th month mark....

a lot of those fakos care about the average credit limit per line or the total amount of credit availabe. Fico only cares about the ratio.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: 6th month mark....

EX plus (FAKO) score is up 699 now!!!!!!!!!! i know it's a fako score but a week ago it was 571 = 657 (AMEX pull)... a charged off was finally deleted and i'm down to 2 CO and 1 CA (which i think was from the CO that was recently deleted and they said it was two different accounts... I'm gonna have them DV it)..... does this mean am closer to 700? maybe reached it???

 

.... started this forum end 02/2012 with 10 negatives (w/ 5 collections)..... am down to 3 negs (1 collection).... so happy.. :smileyhappy:


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: 6th month mark....

Don't forget inquiries start losing their effect at 6 months also. So that inquiry on your Chevron account may have something to do with it.

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}