6 month timing

[Vinjints]

Trying to better understand when I'll be at 0/6 for my next application. I got my last credit card and auto loan both on or about April 7 of this year. It's my understanding that that counts all of April as a month. I've been waiting for the credit reports to update but seems Ex is quicker than the other two. I'm anticipating that Navy will pull TU, which has not updated just yet. Both the Elan MCP and the auto loan report on the last day of the month, but seems to take a week or so for the reports to show the updates. I want to be 0/6 before applying. Should I:

- wait until October 7 (my calculations) 

- wait until TU shows September update

- wait one extra month to cover my bases 

[Patient957]

For Fico scoring any account opened in April turns 1 month old on May 1, turns 6 months old on October 1, and turns 12 months old on April 1 the next year.  Even if it was opened on April 30th.

For underwriting by a bank, it could be different.  I would wait until  10/8 to be safe.  I wouldn't bother waiting a whole extra month.  But that's just me.  Others may have different opinions. 

[CYBERSAM]

I would wait till it shows 6 months on your report, regardless of what it actually should be.