Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Does 6 months have an effect?

IME, if I ever suffered that new credit ding, points would return gradually starting the 2nd month (with the first showing the ding) and the points gradually returned in time. IME, if I ever saw an increase at 6 months, it wasn't because it turned 6 months, but it was because the damage is slowly fading. Usually I'd see points returned most months leading up to a year. If I didn't apply for new credit in that first year or didn't have any new TLs reporting, then I'd usually see a bump at the 12th month as the TL hits a year old, but if I applied for credit before then, then I usually wouldn't see any increase at all.