Valued Member
Posts: 47
Registered: ‎02-01-2009

Re: One year Mark for new accounts = credit score boost???

thanks for your swift reply!


ahh okay dokie. guess I'll have to wait a year and see bahh

EQ: 658 FICO / EX: 600 FICO / TU: 649 FICO / EQ: 637 USAA FAKO / EX: 637 USAA FAKO / TU: 700 USAA FAKO
Credit Karma: 590 / Credit Sesame 572
Positive Open Loan Tradelines: DCU (auto loan) $31000 / One Student Loan
24 Cards TOTAL = 9 Store cards / 4 Secured Card / 11 Credit Cards / Cards In Wallet - BoA Americard / NEWEST CARD - Blaze Mastercard
goal by 2015: UNDER 8000K in credit card debt
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012

Re: One year Mark for new accounts = credit score boost???

Pay attention to when AAoA crosses year marks as that gets you boosts.


1 year mark on inquiries really lessens their impact on score.


The new account hit is usually pretty much gone by 6 months and majority by 3 months.

Frequent Contributor
Posts: 376
Registered: ‎05-23-2012

Re: One year Mark for new accounts = credit score boost???

My scores increased six months after my new accounts, but as others have said, its a ymmv situation. You'll probably see an increase after six months though.
Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013

Re: One year Mark for new accounts = credit score boost???

It all depends on the size and contents of your CR's 

I have seen 3 different reactions 


1) scores decreased dramatically -21 and it took 4 months to recover (3 card app) June 2012

2) scores increased +9 (2 card app) December 2012

3) scores only suffered minor decrease and took 2 month to recover -8 points (4 card app) June 2013


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Last 5 apps 6/2013
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