850 on 2 out of three bureaus with 11 new accounts

[bldmt]

Awesome job OP!

BBS - From the info here which I trust, I have lived by the premise that inquiries don't count in the FICO score after 1 year. But not so sure now, I had 1 mortgage, and 2 CC inquiries from mid March 2015 drop off EX overnight and this morning I saw a 3 point rise. Have not dug deep but it is very coincidental.

[Anonymous]

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@getrdone1 wrote:

youngest account was october 14th, next was a penfed on april 17th, then alliant on march 30th...last equifax inquiry was april 2....

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Not sure what the above means.  Are you trying to give us the last three accounts you opened with the dates each was opened?  If so, perhaps you could attach years with the dates and double check the sequence?

[Anonymous]

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@Anonymous wrote:

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@getrdone1 wrote:

youngest account was october 14th, next was a penfed on april 17th, then alliant on march 30th...last equifax inquiry was april 2....

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Not sure what the above means.  Are you trying to give us the last three accounts you opened with the dates each was opened?  If so, perhaps you could attach years with the dates and double check the sequence?

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From what I gather, he's stating that he's opened 2 accounts in the last year.  Once we cross April 17th, that should drop to just 1 account opened in the last year.

[getrdone1]

that is correct...newest account was october 14,2016.....next was penfed april 17,2016...then alliant on march 30-31,2016....it seems as though i was penalized before for having small but substantial balances on accounts....esp...transunion....so , even though a $4000 balance on an account used to penalize my score it doesn't seem to be now...or else my score is really 856 or 860 or so and they don't give you but an 850 max score...perhaps tom thumb knows for sure...i do see a number of 850's, but its good to know that it can be achieved shortly after bankruptcy has cleared on reports....

[getrdone1]

interestingly!!!! experian says that i will not reach an 849 score for 17 more months..it has 3 inquiries in the last 2 years, but none in the last year...utilization is at 1%, AAoA on experian is 6.1 years which is more than the other two bureaus...it should drop down shortly due to a closed 9+ year old capital one account....that is about the 5th , 10 year old closed account that has/will dropp off in recent months...AAoA has been dropping due to those closed accounts...if i had to say what it was that got my score to 850, i would have to say it was keeping myself from getting lots of new accounts in the last year...and no inquiries...and of course paying bills on time and all that other stuff we should know...

[NRB525]

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@Anonymous wrote:

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@Anonymous wrote:

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@getrdone1 wrote:

youngest account was october 14th, next was a penfed on april 17th, then alliant on march 30th...last equifax inquiry was april 2....

---

Not sure what the above means.  Are you trying to give us the last three accounts you opened with the dates each was opened?  If so, perhaps you could attach years with the dates and double check the sequence?

---

From what I gather, he's stating that he's opened 2 accounts in the last year.  Once we cross April 17th, that should drop to just 1 account opened in the last year.

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I think on April 1, both the PenFed April 17 and Alliant March 30 were gone, so as of now, only 1 revolver in the last "year".

When we got to March 1, my scores jumped, because the last new account opened at that time was during March 2016. So I think items opened in the Month are counted as if opened on the first of that month (or the last day of the prior month of opening) so when you get to the same month a year from now, the first of that month, the account is no longer New.

[Anonymous]

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@getrdone1 wrote:

interestingly!!!! experian says that i will not reach an 849 score for 17 more months..

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How is Experian "saying" this?  Are you suggesting the use of a simulator?

[getrdone1]

yes... through the simulator..its been fairly reliable so far...

[Anonymous]

getrdone1 absolutely amazing ... pat yourself on the back. You bring up many interesting points and how you get a perfect score with inquiries is even more amazing. Frankly, I sit with 829 (300 to 850) and can't get it to move with virtually no inquiries and two new accounts in the last year. The even bigger frustration is I was at 848 last May 2016 oldest account 15 years AAOA 7 years.

[Anonymous]

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@Anonymous wrote:
getrdone1 absolutely amazing ... pat yourself on the back. You bring up many interesting points and how you get a perfect score with inquiries is even more amazing. Frankly, I sit with 829 (300 to 850) and can't get it to move with virtually no inquiries and two new accounts in the last year. The even bigger frustration is I was at 848 last May 2016 oldest account 15 years AAOA 7 years.

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Which bureau is that 829 score through?  Your age of accounts info is capable of yielding you a perfect score, so there's something else slightly holding it back.  Utilization is too obvious, so perhaps an installment loan?  Do you have an open one and if so, where does its utilization stand?  Do you have any consumer finance accounts on your reports (open or closed)?