topic Re: What? in Understanding FICO® Scoring

Score increase with amex backdating?

Anonymous — Sat, 01 Dec 2012 13:21:47 GMT

I was just wondering how the aaoa will be calculated and how much ,if any of a gain I will see?

history...

opened about 6 new tradelines across my CRA.....includes the 3 amex at 16 yrs of backdating...i have 5 pulls on Exp...3 on EQ and 2 on TU.....

MY current AAOA is at. EX 5.8 ......TU 5.8......EQ....4.0....

Re: Score increase with amex backdating?

Repo-ed — Sat, 01 Dec 2012 13:15:40 GMT

I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.

Re: Score increase with amex backdating?

armbenderc — Sat, 01 Dec 2012 13:22:37 GMT

@Repo-ed wrote:
I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.

I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

Re: Score increase with amex backdating?

Repo-ed — Sat, 01 Dec 2012 13:33:55 GMT

@armbenderc wrote:
@Repo-ed wrote:
I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.
I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

I'll be apping in Jan as well for the PRG and True Earnings CostCo.

Re: Score increase with amex backdating?

armbenderc — Sat, 01 Dec 2012 14:31:21 GMT

@Repo-ed wrote:
@armbenderc wrote:
@Repo-ed wrote:
I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.
I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.

I'll be apping in Jan as well for the PRG and True Earnings CostCo.

Good luck, I'll need it as well.

Re: Score increase with amex backdating?

Cdnewmanpac — Sat, 01 Dec 2012 15:07:48 GMT

The score bump from backdating depends on where AAoA is before and after. I bumped 1 point when first card posted, bumping AAoA from 7y 1 mos to 7y 10 mos. however, 2nd Amex sent AAoA over 8 years and I got 13 points.

What?

freeurmind — Fri, 08 Feb 2013 02:55:47 GMT

I have no idea what i just read here. Im curious can you clarify all these abbriviations?

Re: What?

llecs — Fri, 08 Feb 2013 04:45:25 GMT

@freeurmind wrote:
I have no idea what i just read here. Im curious can you clarify all these abbriviations?

Common Abbreviations