topic Re: FICO increased for no apparent reason in Understanding FICO® Scoring

FICO increased for no apparent reason

Anonymous — Mon, 04 Feb 2013 02:11:22 GMT

Received a SW alert to find out my score increased by 11 points. Interestingly, there's no change in utilization, no inquiry removal (my credit journey started only 10 months ago) and no new account.

Could it be because of an increased month?

Re: FICO increased for no apparent reason

llecs — Mon, 04 Feb 2013 03:12:36 GMT

Did you pull a new FICO report? Did any of the pos/neg reasons change?

Did any TLs drop? Baddies disappear? Most of my drops were on the first. Any accounts hit a b-day? AAoA increased by a year?

Re: FICO increased for no apparent reason

Anonymous — Mon, 04 Feb 2013 15:31:59 GMT

Your scores can increase just because the accounts aged some.

Re: FICO increased for no apparent reason

Bleety17 — Mon, 04 Feb 2013 22:09:24 GMT

Same thing happened to me. My AAoA went up another year. I would check that and your oldest Debt so see if they aged

Re: FICO increased for no apparent reason

Anonymous — Tue, 05 Feb 2013 03:27:52 GMT

Since my oldest account is 10 months, there's no point of card anniversary or AAoA turning 1 year. I never had baddies. No negatives.

Re: FICO increased for no apparent reason

bobebob — Tue, 05 Feb 2013 05:43:48 GMT

@Anonymous wrote:
Since my oldest account is 10 months, there's no point of card anniversary or AAoA turning 1 year. I never had baddies. No negatives.

With such a short credit history, you might have gotten a bump just because your history aged a little.