02-03-2013 06:11 PM
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?
02-03-2013 07:12 PM
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?
02-04-2013 02:09 PM
02-04-2013 09:43 PM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.