@Anonymous wrote:
And the results are in....
Yesterday my score was 720 and EX said my oldest account was 0.9 years old. Today it everything else is the same except it says my oldest account is 1 year old. My score today? 726.
So you get six points the day your oldest account rounds the 12 month mark.
Interesting to note that this happens on the 1st of the month in which the account hits a year, the exact actual day is later in the month but only TU records the actual day. EX actually has rounded the opening day to the 1st for every account.
Ok, while this is interesting, I would not say 1 year on the oldest account = 6 points.
You have a bunch of other activity going on, particularly 7 aging INQ that are none yet 1 year old. Two that are 3 months, implying they are just moving past that early stage of harming the score.
I would guess it is just as much impact from 4 INQ going to 9 months (likely linked to new accounts also going to 9 months on August 1, no?) and no apping for the last three months to allow the file to stop being churned with new data.
"Current status from EX's perspective: Score 720, 7 INQs that are 3m, 3m, 6m (within days!), 8m, 8m, 8m, 8m old."
The biggest factor with FICO scoring is paying on time, over time. As more time passes with no issues, and in this case with a number of accounts aging nicely, the score is going to go up naturally. The key now is to stop hitting the score over the head with INQ. Yes, aging of the accounts matters. 1 account out of all these being the 6 points? I doubt it is so clean.
Congratulations on the score rise! I saw a big rise in my scores in June as a result of utilization coming down and slowing down apping from the prior several months.
@Thomas_Thumb wrote:
@NRB525 wrote:Ok, while this is interesting, I would not say 1 year on the oldest account = 6 points.
Congratulations on the score rise! I saw a big rise in my scores in June as a result of utilization coming down and slowing down apping from the prior several months.
Off topic: NRB525 - I thought you were going to stop apping for CCs. Addiction difficulties?
When was that? 
After I applied for Diners Club Nov 3? (last app of the year)
After I added what I thought would be a Term Loan, turned out to be a basic PLOC Revolver from my local CU November 9?
After I saw a paper folder/app at the gas pump at Fred Meyer and thought "I wonder if I'd get that now after being denied two years ago" on Nov 30? (last app because I didn't really need any more)
After I applied for the Marriott and got instapproved because I wanted a metal card, the free night, and points on December 19? (also to keep-alive the points I resucitated from earlier stays before they expired)
After I tried to get a Golden1 3% card because I'm on the West Coast and it sounded good on Jan 3? Only to be denied. "Now I know, and can stop" (now running a couple grand through the checking account to try to see if that gets on their good side after a nice lady called to follow up on the app)
After I got the Hyatt card instapproval on January 24 because it felt so good to get an instapproval on the Marriott and to be back in with Chase after years in the wilderness?
Then I stopped apping.
until April 22, the Hilton card looked like a good no-AF card with points for gas and groceries and dining. Only to find out the places I buy gas, groceries and dining don't code right for AMEX to give me the extra 2 points. But I did learn from the free card, so I avoid the PRG and EDP, and got the sign up bonus.
Then April 27, denied the FNBO Best Western, basically taking one for the team to prove how difficult it is (or how easy to get denied with high utilization) from FNBO.
Then I stopped apping and my scores did take off in June, also coincidentally from dropping utilization overall to right around 20%.
Until the Capital One "combining limits' got started, apped Venture for $30k on July 8 with the intent to move it over to my old QS later. Otherwise, I would not have apped the Venture at all, without the combination. And scores over 750.
Then when I heard the Citi AAdvantage miles were going from 50k to 30k, and the preapproval was giving me lowest Citi rates on all cards, for the xx time this year, I got that instapproval for the 50k miles on what I think was the last day it was available. Good to be back from the wilderness with Citi and my $1k Diamond Preferred.
I have a United paper mailer that expires August 31, for the 50k miles offer. I may take that one, but it's the second one they've sent me this year, and I seem to be able to trigger them almost at will by showing a little interest in the program.
I have secured cards from PenFed and SDFCU. Those may or may not turn into later apps. I'm much less enamored of them now that I know more about them through the research and secured cards. (oh, and SDFCU Secured was in there earlier this year, but no HP so that doesn't count as an app, right?)
As noted I'm working the Golden1 checking account as a window dressing attempt, not sure that results in an app, but it's possible.
I'm done, until some trigger event happens for the next card, but the bar is being raised pretty high now, with all the cards I do have to keep entertained, and the realization that fractions of a point in rewards don't amount to very much on my budget.
Now, what were you saying about addiction? 
@Anonymous wrote:
I think I found the cause of the 7 point rise:
I said no balance updated but that was wrong. My amazon store card posted today and updated my balance from $769/2500 to $130/2500. That reduced my utilization from 3% to 1% overall and from 30% to 5% on that card.
My bet is utilization over 25% on one card was costing me. Clearly I need to work on my limit for my store card!
We really need to get single tradeline utilization nailed down someday; I never saw an increase personally up to 66% and only lost a handful of points (5-8 depending on bureau) on FICO 8 going from $0 to 87.5% and 1 to 2 cards with balances which historically has been zero change other than Bankcard 04 (yawn).
@Anonymous wrote:
I think I found the cause of the 7 point rise:
I said no balance updated but that was wrong. My amazon store card posted today and updated my balance from $769/2500 to $130/2500. That reduced my utilization from 3% to 1% overall and from 30% to 5% on that card.
My bet is utilization over 25% on one card was costing me. Clearly I need to work on my limit for my store card!
When was the last score change, and what are all the other changes in balances, up and down, INQ, cards going in and out of zero, since then?