Established Contributor
Posts: 905
Registered: ‎07-25-2008
1 year mark......Just curious

OK just kinda curious about this one but did anyone here see in score increase after

Their cards hit the one year mark with perfect payment history?

My cap 1 will be a year old next month and I was just wondering if I would see any change

 

Thanks Smiley Happy


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: 1 year mark......Just curious

At the very least you'll gain a couple of points from the inquiry that Cap1 hit you with on all 3 bureaus.  Aging has more to do with your AAoA, though I believe you get hit for a new account up front.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
Posts: 116
Registered: ‎11-13-2011
Re: 1 year mark......Just curious
I'm currently awaiting my cap one to hit the one year mark in December. Also awaiting two inquires (of 8 total) to fall off by end of year. If it's of any interest I will update this thread when that all happens.
Established Contributor
Posts: 905
Registered: ‎07-25-2008
Re: 1 year mark......Just curious

Please do


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: 1 year mark......Just curious

IME, yes.....provided I don't have anything newer. I've seen gains of 10-20 as the youngest hit a year. If I had newer accts, the gains would be small, if any.