Is an account scored differently once it hit the 6 month age?
I have Macy's, JCP, Target, Capitol One and Walmart that I got back just before Christmas to get some positive TL''s and they are about to have 6 month birthdays. Will this put them in a different bucket?
I have had to CLI's on the cards. Macy's from 200 to 1000 and Capitop One from 500 to 1000
Re: Is an account scored differently once it hit the 6 month age?
Yes, I agree. I have been using 50-60% each month and then paying down to 3-5% util before they report. I don't know if that is good or bad but it seems to be working. The cards like usage and the CRA like low util.