https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277721#M110224 It's been a while since I looked at the simulations, but if I recall correctly they said that if I added a new account my scores would increase by X after Y months, not right away.<BR /><BR />A new account often results in a slight ding, as it brings down the average age of the accounts. But as time goes by it will bring your score up. Mon, 30 Jun 2008 20:42:54 GMT Anonymous 2008-06-30T20:42:54Z https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277666#M110215 <DIV>Hello- Looking for some help. I am in the process of rebuliding in hopes of buying a house early 09. I currently have a score of 634. I ran a&nbsp;score simulation and it showed if I added another cc (this would be my 2nd ever cc, 1st is Orchard, reporting since 3/08) my score would increase to 658-670. I recieved a score watch alert the other day that my new Bofa 99/500 had been added to my report but my score stayed exactly the same, NO increase!! What gives?!!</DIV> Mon, 30 Jun 2008 19:34:39 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277666#M110215 Anonymous 2008-06-30T19:34:39Z https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277672#M110216 <DIV>Maybe the point gain from the 2nd CC was offset by somehing else on your report (lower history, utilization, etc.)</DIV><DIV>&nbsp;</DIV><DIV>In general, adding CCs will lower your score, but getting the first 2-3 to report will usually give you a bump.</DIV> Mon, 30 Jun 2008 19:39:57 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277672#M110216 llecs 2008-06-30T19:39:57Z https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277681#M110218 <DIV>So maybe I need to give these to cc's time to age? I have read here that score simulations are pretty accurate and I was so disappointed not to see the increase it said I would get. Thanks for the help</DIV> Mon, 30 Jun 2008 19:50:04 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277681#M110218 Anonymous 2008-06-30T19:50:04Z https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277721#M110224 It's been a while since I looked at the simulations, but if I recall correctly they said that if I added a new account my scores would increase by X after Y months, not right away.<BR /><BR />A new account often results in a slight ding, as it brings down the average age of the accounts. But as time goes by it will bring your score up. Mon, 30 Jun 2008 20:42:54 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/No-Change-in-Score/m-p/277721#M110224 Anonymous 2008-06-30T20:42:54Z