@Anonymous wrote:
@CJ7 wrote:11 month old account was opened 12/31/17, perhaps they're calling it 12 months for scoring purposes.
Yup, that account is 12 months old and the score increase you saw was mostly if not all from your AoYA moving from 11 months to 12 months. I'm glad you figured this out. You'll likely see similar gains on your scores from the other 2 bureaus. I saw you mentioned your AAoA, but did you tell us your AoOA yet?
As mentioned above, TU shot up to 824 from 795. Haven't checked EQ yet. AoOA is 18Y.
Congratulations - Hoping to be like you one day! 
@CJ7 wrote:
@Anonymous wrote:
@CJ7 wrote:11 month old account was opened 12/31/17, perhaps they're calling it 12 months for scoring purposes.
Yup, that account is 12 months old and the score increase you saw was mostly if not all from your AoYA moving from 11 months to 12 months. I'm glad you figured this out. You'll likely see similar gains on your scores from the other 2 bureaus. I saw you mentioned your AAoA, but did you tell us your AoOA yet?
As mentioned above, TU shot up to 824 from 795. Haven't checked EQ yet. AoOA is 18Y.
AoOA is 18. Aggregate utilization is 1%. I would expect you should be over 800 already, even with AoYA less than a year?
What is the distribution of the utilization on individual cards?
Been hovering in the 790's for longer than I can remember. Auto loan down to 75%.
No utilization beyond 5% on any individual card, only 3 reporting a balance at most.
Oldest open account is 3.5Y.
Congratulations on your point gain!
@CJ7 wrote:Been hovering in the 790's for longer than I can remember. Auto loan down to 75%.
No utilization beyond 5% on any individual card, only 3 reporting a balance at most.
Oldest open account is 3.5Y.
Ok, the auto loan at 75% may be a reason keeping scores a bit low. As that comes down it should help, along with more time.
Congrats!
