Understanding FICO® Scoring

[hussain99]

Received a SW alert to find out my score increased by 11 points. Interestingly, there's no change in utilization, no inquiry removal (my credit journey started only 10 months ago) and no new account.

Could it be because of an increased month?

[llecs]

Did you pull a new FICO report? Did any of the pos/neg reasons change?

Did any TLs drop? Baddies disappear? Most of my drops were on the first. Any accounts hit a b-day? AAoA increased by a year?

[JM-AM]

Your scores can increase just because the accounts aged some.

[Bleety17]

Same thing happened to me. My AAoA went up another year. I would check that and your oldest Debt so see if they aged

[hussain99]

Since my oldest account is 10 months, there's no point of card anniversary or AAoA turning 1 year. I never had baddies. No negatives.

[bobebob]

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hussain99 wrote:
Since my oldest account is 10 months, there's no point of card anniversary or AAoA turning 1 year. I never had baddies. No negatives.

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With such a short credit history, you might have gotten a bump just because your history aged a little.