1 year mark......Just curious

hoping2rebuild · ‎07-25-2008

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

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards

Jutz · ‎05-10-2012

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.

Current: EQ FICO 672, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $18,300
Inquiries (12 Months): EQ 5 TU 3 EX 5 | Most Recent: 7/13/2013

2013 Accomplishments: Purchased home w/ FHA @ 3.49%,
Financed car @ 5.49% w/ DCU, Added DCU VIsa, Chase Freedom,
AMEX Gold and BCE, Lowe's

AMEX Gold: NPSL Chase Freedom: $5000 Lowe's: $6000 DCU Visa: $2000 Capital One: $2000 WalMart: $1700 AMEX BCE: $1000

Unoriginalnj · ‎11-13-2011

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.

hoping2rebuild · ‎07-25-2008

Please do

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards

llecs · ‎08-04-2007

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.

Understanding FICO® Scoring

1 year mark......Just curious

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

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

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

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