Account Just Aged to One year Old - Wow! "large" jump in FICO!
last year I got two cards with Citi. My credit reports both report it as being established in 8/2006 even though one of them I didn't receive until 9/2006. Anyway, when I checked my FICO scores several weeks ago (7/25/07 to be exact) they were as follows:
TU: 708 EQ: 726 EX: 715
Those were with my account age of 11 months. I just checked again today as the age would now be reported as one year, and I noticed an unexpected increase in my score! Someone mentioned before that an account is still considered "new" until it has reached the one year mark. I really only expected a small increase in score from a "new" account to a 12-month old account, so I was surprised when I saw the following scores:
TU: 719 EQ: 738 EX: 735
Simply amazing - I guess account age has more of an effect than I originally thought.
Starting Score: EQ 773, TU 766 Current Score (2/25/2017): EX 813, EQ 823, TU 818 Goal Score: 800