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FICO increased for no apparent reason

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hussain99
Established Member

FICO increased for no apparent reason

 

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?

Message 1 of 6
5 REPLIES 5
llecs
Moderator Emeritus

Re: FICO increased for no apparent reason

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?

Message 2 of 6
JM-AM
Valued Contributor

Re: FICO increased for no apparent reason

Your scores can increase just because the accounts aged some.
Good Luck
May all your dreams and wishes become a reality!
Message 3 of 6
Bleety17
Regular Contributor

Re: FICO increased for no apparent reason

Same thing happened to me. My AAoA went up another year. I would check that and your oldest Debt so see if they aged
USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$600 NFCU-$12500 Walmart-$3500 BestBuy $1000 Navcheck 3000



Message 4 of 6
hussain99
Established Member

Re: FICO increased for no apparent reason

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.
Message 5 of 6
bobebob
Frequent Contributor

Re: FICO increased for no apparent reason


@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.

 

 

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

bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.
Message 6 of 6
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