@AnonymousI have a card I opened in March and thought after 6 months it would no longer be considered a “new account” according to FICO. My score didn’t increase today with EXPERIAN as it has 3/1/18 as the start date of the card. Was I mistaken?
I think you were. Many people see negative reason statements associated with a young account for 24 months and I believe there are even people that have reported them being present when accounts are 36-59 months old too. This doesn't mean that the account at 24 months is adversely impacting your score the same way it was at 1 month of age, but the negative reason statement does mean that it's still impacting your score by at least 1 point.
The biggest score increase related to AoYA is the crossing of the 12 month mark. That's not to say that some points can't come back sooner than that, but when your AoYA crossed 12 months most people report a score gain in the 15-20 point range. How many may come sooner than 12 months (or even later at 24 months) is much less clear and value wise is going to be significantly less.
To answer your question though, the FICO algorithms are still going to view a 6 month old account as "new" in the sense that your scores are being penalized heavily (say, 15-20 points) due to the young age of that new account.
