The purpose of this thread is to start a list of milestones that we know correspond to increases in credit scores. Please feel free to add your own here and I'll occassionally edit the main post to include them. If you are not sure if it adds to score then indicate as such.
1. 6 months from date of HP
2. 12 months from date of HP
3. 12 months since last late payment
4. 2 years past last 30 day late
5. new account makes 6 months in age
6. last baddie falls off report (possible decrease from rebucketing)
7. decreasing utilization (sliding scale - 2 to10% UTIL seems to be sweet spot)
8. reducing "maxed out" card to below 50% UTIL
Events that do not raise scores:
1. sole 90 day late making 5 years old
2. HP making 2 years old
Hard pull, your credit inquiry.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Geez...it was so obvious, but I couldn't put it together. Thanks 
Sometimes it's the elephant in the room. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Sometimes it's the elephant in the room.
The only stupid question is the one that DOESN'T get asked
are there AAoA milestones?
