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Established Contributor
Posts: 747
Registered: ‎03-16-2012
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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: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- TU:515 EQ: 561 EX: 544 01/30/2016
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Registered: ‎12-30-2011
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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 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Established Contributor
Posts: 747
Registered: ‎03-16-2012
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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: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- TU:515 EQ: 561 EX: 544 01/30/2016
Established Contributor
Posts: 599
Registered: ‎03-10-2012
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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.

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Established Contributor
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Registered: ‎03-16-2012
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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.. Smiley Happy


Starting Score: TU: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- TU:515 EQ: 561 EX: 544 01/30/2016
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Registered: ‎09-15-2012
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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.

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