TU Score Increase

[Anonymous]

So my TU fico jumped 29 points today from 639 to 668 for no apparent reason. I checked my TU report today and there are literally NO changes. Any ideas of what could have caused the increase?

[Anonymous]

There most certainly ARE changes. Everything aged another month. The age of virtually *all* items is a major portion of the scoring.

[Anonymous]

True. And I would expect a my score to increase over time, but 29 points in 1 month? I have a number of cards opened within the last 6 months, with the most recent on 2/22. The majority don't even have 6 months history - the bulk only have 3-5 months.  I suppose anything is possible!

[Anonymous]

I'm not certain but I believe 6 months is often where people notice their scores rising after establishing new accounts.

[Anonymous]

---

@Anonymous wrote:

I'm not certain but I believe 6 months is often where people notice their scores rising after establishing new accounts.

---

My understanding is similar, this is when accounts transform from "New Credit" to "Established Credit"

[gdale6]

---

@Anonymous wrote:

---

@Anonymous wrote:

I'm not certain but I believe 6 months is often where people notice their scores rising after establishing new accounts.

---

My understanding is similar, this is when accounts transform from "New Credit" to "Established Credit"

---

Actually Fico does not consider accounts mature until the 24th month. It is human underwriters who consider 6 months of history reporting on an account to be established and no longer new.