Is an account scored differently once it hit the 6 month age?

[nosxih]

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

Thanks!

[fused]

Nope, it's 12 months

[nosxih]

Arg! well I am half way there!

[Anonymous]

The CLI's you obtained however will improve your utilization numbers which may bump you a little. That is if you keep utilization low under 10% of available credit.

[nosxih]

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.

It seems to be a delicate balancing act.

[cobra19]

nos............good post. You've hit the nail on the head.

I have 8 cards - I keep 5 of them at 0 balance and 3 of them at < 3%.. This works best for me.