yeah congrats, I have found AAoA has a lot to do with credit scores going up and UTL has a lot to do with them going down. Removal of inquiries also plays a factor. If you have a BKO the older it is the less impact it has on your score as well. This is also true of accounts that have negative information reported about them. If you didn't do a thing at all nothing new that is, over time your credit score would go up no matter.
-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861
Starting Score: EQ 717 EX 724 TU 736
