Credit Card Center Advertiser Disclosure

Valued Member
Posts: 34
Registered: ‎01-30-2013
0 Kudos

what to expect with credit anniversaries



I am hoping for a nice boost to my score in the coming months, because i am at a some year markers.  can someone please tell me if any of these events will help my credit


My bankruptcy just passed 4 years on 12/12

I have a state tax lien that was paid up a year ago this month

i have an auto lease that will pass 2 years in january (its a three year lease, and never late with a payment)

My credit cards will be 4 years old in march and june. always paid up on time


i know that there are specific time periods that help boost the credit.  I am not sure if any/all of these are included. Any help would be most appreciated




Starting Score: 640
Current Score: 687
Goal Score: 720

Take the myFICO Fitness Challenge

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: what to expect with credit anniversaries

It's a YMMV. Hard telling. If you really wanted to track it, pull your FICO score on the first of the month. You'll find that your TLs will turn a month older as could your length of history/AAoA. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.