Is this possible???

[Anonymous]

Identity Guard thru Costco

Dec Jan Feb
683 683 683 T
674 674 674 E
644 645 645 EX


How can the scores not change for 3 months??? This makes no sense. Nothing has changed, no new accounts, no lates, no nothing, zero! At the very least I should get a point or two for paying my bills current and my old baddies are 3 months or 1/4 of a year older!!

[MidnightVoice]

I have had long periods with no changes.  Not quite as stable as your, but nearly

[RobertEG]

Length of credit (account aging) is only 15% of total FICO score, so aging of  accounts over a three month period is diminimus in effect on total score.  This is not a catefory where short term gains should be expected  Long periods are needed to see any real change.

[Anonymous]

I dunno I've never seen this before. In the past I would get at least 1 point, sometimes 2 months with no change, but come on, 3 months is nuts. I guess this means the scoring system has triggers. It must score items on a incremental system. Meaning it stays stagnant until it reaches a trigger point. I guess I'm not at those trigger points...

Next month if no change, I'm officially calling shenanigans!

[Anonymous]

---

barbarino wrote:
I dunno I've never seen this before. In the past I would get at least 1 point, sometimes 2 months with no change, but come on, 3 months is nuts. I guess this means the scoring system has triggers. It must score items on a incremental system. Meaning it stays stagnant until it reaches a trigger point. I guess I'm not at those trigger points...

Next month if no change, I'm officially calling shenanigans!

---

Yes, the general consensus is that changes in most aspects of FICO scoring are triggered by passing over certain thresholds.  There is not necessarily a smooth continuum from one end of the spectrum to the other.

Message Edited by cheddar on 02-22-2008 01:05 PM