I got a +19 pt bump today from TU, my apple card balance added a dollar from last month but is it possible they have given me points from my 2 inquires that are set to come off 22 october or after which will make two years?? if not hopefully I'll get another bump which could max me out in scores across the board!! 
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@babbles wrote:I got a +19 pt bump today from TU, my apple card balance added a dollar from last month but is it possible they have given me points from my 2 inquires that are set to come off 22 october or after which will make two years?? if not hopefully I'll get another bump which could max me out in scores across the board!!
inquiries are only scored for the 1st year I thought
If it is not due to utilization ratio or AZEO impact, gardening or aging results credit score improvement. It is either aging a new inquiry, increasing the age of the oldest or the newest account or average age of accounts. Each of these parameters impact Fico differently. Experian has some simulation tools and it can estimate Fico8 for each scenario.
So, an easy way to improve Fico8 is simply freezing all credit reports, gardening and using AZEO method.
Fico8: EX~EQ~TU~840 (12 month goal~850).
@babbles wrote:I should mention my retail loan balance decreased for the month and didn't realize my apple card opened up Oct 10, 2021 aged a year so maybe I picked up points on those items??
Passing 1yr for the AoYA. May have helped some. Percentage of the loan went from _____ to ____% would help. Again. Where you getting your score?
Thanks for verifying. May have been age related with youngest account passing 1 year and possibly being placed into a newer bucket. If the loan dropped below 8.99% theres more points there. One last question @babbles . Did you happen to pass 2 yrs on your AAoA's also? Put them all together might explain the bump.
