Understanding FICO® Scoring

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amercnchopz34
Posts: 823
Registered: ‎10-28-2011

Score increase with amex backdating?

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‎12-01-2012 04:56 AM - edited ‎12-01-2012 05:21 AM

I was just wondering how the aaoa will be calculated and how much ,if any of a gain I will see?

 

history...

opened about 6 new tradelines across my CRA.....includes the 3 amex at 16 yrs of backdating...i have 5 pulls on Exp...3 on EQ and 2 on TU.....

 

MY current AAOA is at. EX 5.8 ......TU 5.8......EQ....4.0....

 

Amex Green (NPSL) , Amex Delta Gold ( 6500) Amex BCP (2000) Amazon store (5000) Capitol One (5000) Barclay NFL Bears (5000) Alliant MC (5000) Fairwinds CU Visa (2500) HHGregg (4000) Discover It (5000) Chase CSP (5000) Best Buy Store Card (4000) Citi Diamond (1200) Citi TY Preffered (2000)


BK 7 in 2005.....
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Repo-ed
Posts: 2,602
Registered: ‎02-09-2012

Re: Score increase with amex backdating?

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‎12-01-2012 05:15 AM

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
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armbenderc
Posts: 789
Registered: ‎09-11-2012

Re: Score increase with amex backdating?

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‎12-01-2012 05:22 AM

Repo-ed wrote:

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.

:smileysurprised: I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

 

 

 

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
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Repo-ed
Posts: 2,602
Registered: ‎02-09-2012

Re: Score increase with amex backdating?

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‎12-01-2012 05:33 AM

armbenderc wrote:
Repo-ed wrote:

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.

:smileysurprised: I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

 

 

 

I'll be apping in Jan as well for the PRG and True Earnings CostCo.

 

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge
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armbenderc
Posts: 789
Registered: ‎09-11-2012

Re: Score increase with amex backdating?

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‎12-01-2012 06:31 AM

Repo-ed wrote:
armbenderc wrote:
Repo-ed wrote:

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.

:smileysurprised: I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

 

 

 

I'll be apping in Jan as well for the PRG and True Earnings CostCo.

 

Good luck, I'll need it as well. :smileyhappy:

 

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
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Cdnewmanpac
Posts: 686
Registered: ‎01-16-2012

Re: Score increase with amex backdating?

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‎12-01-2012 07:07 AM

The score bump from backdating depends on where AAoA is before and after. I bumped 1 point when first card posted, bumping AAoA from 7y 1 mos to 7y 10 mos. however, 2nd Amex sent AAoA over 8 years and I got 13 points. 

NewCardssmall
9500 5000 13000 3000 3000 5000
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freeurmind
Posts: 19
Registered: ‎02-03-2013

What?

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‎02-07-2013 06:55 PM

I have no idea what i just read here. Im curious can you clarify all these abbriviations? 

Starting Score: EQ 630 On 02/05/13 TU 695 on 02/20/13
Current Score: EQ 679 On 02/16/13
Goal Score: 750

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llecs
Posts: 31,438
Registered: ‎08-04-2007

Re: What?

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‎02-07-2013 08:45 PM

freeurmind wrote:

I have no idea what i just read here. Im curious can you clarify all these abbriviations? 


Common Abbreviations

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