@calyx wrote:Congrats on your continued progress!
I was at about your point last year, so I remember the joy at seeing those increases. I know your score isn't great, but it's so much better than what it was, and I'm sure you'll only continue to improve. You are doing great
You will probably get a bump from your INQs hitting a year, since they will become unscorable, but the Cap1 being a year won't do much because it's not your youngest (I believe that's the Merrick, right?), nor oldest account. Age of Youngest account, Age of Oldest account, and Average Age of Accounts are the numbers that are the ones that seem to matter.
Thanks.
Yeah, Merrick is my newest CC. The Cap One Platinum unsecured is my second open CC account The first one, Greendot secured, just hit the one-year mark a couple of months ago, and I saw an increase in my score. I guess I was hoping my next one, the Cap One, I would see the same. I guess not.
On my Experian report, it has: Average Age 3 yrs 4 mos. Oldest Account 12 yrs 10 mos.
My open CC accounts are at 1 year 2 months (Greendot Primor $450 CL), Cap One Platinum ($500 CL) 11 months or almost 11 months, Cap One Quicksilver 1 ($1,100 CL) maybe 4 months, and Merrick ($700 CL) 1 month, coming up on second statement in 10 days.
You'll probably still see a little bump for the inquiries aging off! It's just not the account age itself 