CCs hitting the 1 YR mark

[lhcole77]

I have 5 CCs. 3 of them hit 1 YR in June 2014, 1 hits 1 YR in July 2014.

Question: Can I anticipate a bump when the first ones turn 1 yo (in June) OR does the bump happen when the newest one turns 1 YR (in this case July)?

Inquiring minds want to know....

[user5387]

1.  You may have hard pulls disappearing, along with short-term negative effects of new TLs.

2.  Maybe milestones re AAoA and oldest TL and so on.

3.  You might try this Google search:

   site:myfico.com one year mark

4.  This thread is someone's attempt to guess what the FICO buckets are, and there is some interesting information here:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-Scoring-Buckets-or-quot-Scorecards-q...

[blondy250]

You may see a few point bump with your inquiries reaching a year, but Aaoa really doesn't work that way.

[lhcole77]

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@user5387 wrote:

1.  You may have hard pulls disappearing, along with short-term negative effects of new TLs.

2.  Maybe milestones re AAoA and oldest TL and so on.

3.  You might try this Google search:

   site:myfico.com one year mark

4.  This thread is someone's attempt to guess what the FICO buckets are, and there is some interesting information here:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/FICO-Scoring-Buckets-or-quot-Scorecards-q...

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Thank you! This is interesting indeed.

[lhcole77]

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@blondy250 wrote:

You may see a few point bump with your inquiries reaching a year, but Aaoa really doesn't work that way.

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Thanks for feedback

[VirtualCuriosity]

I have two CCs along with their accompanied INQs that reach one year in a few weeks.  I will report back and let you know how it affected my particular scores.

[lhcole77]

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@VirtualCuriosity wrote:

I have two CCs along with their accompanied INQs that reach one year in a few weeks.  I will report back and let you know how it affected my particular scores.

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PERFECT! Thank you.

P.S. I'll be waiting with bated breath.