How long will it take for a secured cc to affect my Fico score?

[ADARPegasus]

i have a card thats 10 years old a chard thats 4 years old and one thats 6 months old once my 6 month old account isnt new anyone its factored in as a normal account kinda like how you cant get your credit score until you have had a account open at least 6 months.

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[Wolf3]

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@Jonbuck06 wrote:

i have a card thats 10 years old a chard thats 4 years old and one thats 6 months old once my 6 month old account isnt new anyone its factored in as a normal account kinda like how you cant get your credit score until you have had a account open at least 6 months.

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I think there was a mistake in the calculation or report that caused this bizarre November score.   If the new card was excluded it should have been 7 years, if included, it would have been about 4 years.   Your explanation does not account for a 1 year AAoA.

[ADARPegasus]

well thats not the only cards i have on there haha

[MarineVietVet]

I agree with the others that your AAoA will not go up 3 years after a new account has aged 6 months. Or should I say it's not supposed to do that.

I'm not sure what has happened. Were you added as an AU during that 6 months?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

I have had the same exact capitalone secured card for three months now, it has reported my payment history on my credit report but it has not improved my score yet. I was told that it takes atleast 6mon before it affects your credit score positvely. Another way to get the score up is to raise the credit limit

[kelso33]

On the topic of secured cards, I have a cap1 with $100 deposit/$250 limit that's about 3 months old.  No previous credit history.  I originally thought that the payment history was the only important part of a secured card but I've been wondering about the limit recently.  Would a higher deposit help me raise my score more quickly, or get a better CL on an unsecured card?  And would it be beneficial to have a second secured card?