topic Re: App score, HP included? in Understanding FICO® Scoring

App score, HP included?

newhis — Sat, 31 Dec 2016 17:52:29 GMT

My daughter got her first card, she is AU in several cards.

The AU cards were all at $0, so I guess this make the score lower that what could be.

Amex report her score at 770, I guess this score is before the HP, right?

I know her score can go up when a card report a balance, she has no loan, maybe she will open a SSL down the road or I can try to add her to mine.

Re: App score, HP included?

Revelate — Sat, 31 Dec 2016 17:57:01 GMT

@newhis wrote:
My daughter got her first card, she is AU in several cards.

The AU cards were all at $0, so I guess this make the score lower that what could be.

Amex report her score at 770, I guess this score is before the HP, right?

I know her score can go up when a card report a balance, she has no loan, maybe she will open a SSL down the road or I can try to add her to mine.

Yeah the lender gets the pre-inquiry score. Every subsequent pull gets the new one.

Which card was it? It's so hard to say with AU's what's in or what's out without stringent testing though sounds like they're absolutely counted in her case if there's swabo other tradeline data.

I'm certainly curious as to what her score will do, AAOA change in there too potentially?

Re: App score, HP included?

newhis — Sat, 31 Dec 2016 18:37:32 GMT

Thank you. The card is Amex BCE, she got the up to $450 back promo ($250 with $1,000 in 3 months, 10% Amazon for 6 months up to $200 back).

Her AAoA is 24 months, this is her first HP, oldest AU 33 months.

I read that Amex is slow reporting new accounts, so maybe her next FICO will only include the HP and in 2 months the new account. It will be fun to see if her score goes up/down in the next couple of months. She will not app for anything else for now.

Re: App score, HP included?

Revelate — Sat, 31 Dec 2016 19:00:16 GMT

@newhis wrote:
Thank you. The card is Amex BCE, she got the up to $450 back promo ($250 with $1,000 in 3 months, 10% Amazon for 6 months up to $200 back).

Her AAoA is 24 months, this is her first HP, oldest AU 33 months.

I read that Amex is slow reporting new accounts, so maybe her next FICO will only include the HP and in 2 months the new account. It will be fun to see if her score goes up/down in the next couple of months. She will not app for anything else for now.

Yeah I'd certainly appreciate it if you would track it. I did find an AAOA breakpoint at 2 years on my file to the best of my ability (went above it, spreed below it, went above it again) on all bureaus but hers is a more controlled file than mine ever has been. I think you're right as I haven't seen anything north of 2 years at 3 and change now, though rounding 24 vs. 25 months might make a difference depending how EX counts it which I couldn't figure out, that's really the only surprise score shift that might get seen from what you posted.

Oldest account is always a thing but 3 years is in 3 months and I suspect Amex will report by then... and 3 years seems like a dubious breakpoint for that but who knows.