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Two cc accounts turned one year old today, but eq gave me zero points. I was expecting atleast a 5 point gain. Two inq will stop hurting my score on sep 13 and 16th respectively. Will I see a gain this time? I went from 706 to 722 when one of my inq turned a year old in Aug. Can I expect the same bump this month?
nathan,
These things are difficult to predict because of additional activity in your credit report during the same time. The attitude I use is that I never expect my FICO scores to go up, when they do I try to determine the cause.
@nathan wrote:Two cc accounts turned one year old today, but eq gave me zero points. I was expecting atleast a 5 point gain. Two inq will stop hurting my score on sep 13 and 16th respectively. Will I see a gain this time? I went from 706 to 722 when one of my inq turned a year old in Aug. Can I expect the same bump this month?
Where/how were you expecting to see a change?
Where/how were you expecting to see a change?
Change in scores ofcourse lol. The two inqs will stop hurting my scores on sep 13 and 16, but the account date was sep 1st. I have people say they gain points on accounts' birth days as well as inq's birth days. Well I did not gain any points on account birth day which was sep 1st. I will pull scores again on the 13th and 16th to see if the inq age gave me any luv.
Nathan,
One more point that should be brought up is that if your score is going to change one other thing must happen, the CRA's must update your credit report.
@nathan wrote:Where/how were you expecting to see a change?
Change in scores ofcourse lol. The two inqs will stop hurting my scores on sep 13 and 16, but the account date was sep 1st. I have people say they gain points on accounts' birth days as well as inq's birth days. Well I did not gain any points on account birth day which was sep 1st. I will pull scores again on the 13th and 16th to see if the inq age gave me any luv.
You would get a more helpful response if you gave a more specific response to the posited question:
Where/how were you expecting to see a change?