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What if you only have 1% utilization? I feel like the simulators for paying those balances dont matter right? because there is no balance. the EX simulator says making regular payments for 24 months would get me a 40 point boost. every other simulation keeps scores the same expect pay off like 26k in student loans over the year.
Wait, your AAoA stayed the same after several months? Did you get a new credit account?
My AAOA accounts was 5 years in March after I opened two new cards and my AAOA is 5 years after opening a freedom, sallimae mc and amex last month.
the amex is the only one that has not posted to CRA's. The charge card came with a msd of 2003, so maybe the 11 years of backdating with help me out?
Same thing is happening to me since Juy 25th. My score has been the same i have opened 3 new cards with high limits no late pays pay all cards completely off prior to statement closing and no change at all. i am looking at experian on experian direct i see al the changes on teh report but no score. Complained a few weeks ago to no avail. I have now complained again and wilbe contacating the atorney generals office if i dont get some results. you cant just hold my score as long as you want althogh my credit is not dictating that. Someone has to pay for that. What if my score was between excellent and good credit and holding it were to cost me money someone woudl be liable. Support told me they woudl look into it but they coudl not gurantee when. i then told them they proabbly shoudl get a superior involved because if i did not get reulsts soon i woudl be filing a formal complaint with the attorney generals office. Stay tuned.
@ddemari wrote:I ordered my Experian Fico through myfico back in March of this year and it is still the same score today, 6 months later!
Within that 6 months, my accounts opened in the past year went from 9 to 3, my utilizatrion in March was 36% and since April to now it has been between 1-3%, Inquires back in March were 6, today there are 4.
MY AAOA has stayed the same, experian even removed an old charge off for me via dispute. My EQ and TU Fico's are constantly changing, but EX no dice.
I just think its weird, it never changes. hahaha.
@ddemari wrote:I ordered my Experian Fico through myfico back in March of this year and it is still the same score today, 6 months later!
Within that 6 months, my accounts opened in the past year went from 9 to 3, my utilizatrion in March was 36% and since April to now it has been between 1-3%, Inquires back in March were 6, today there are 4.
MY AAOA has stayed the same, experian even removed an old charge off for me via dispute. My EQ and TU Fico's are constantly changing, but EX no dice.
I just think its weird, it never changes. hahaha.
What's crazy though and I guess why I am not that inclined to be super concerned is that I have been approved for really good cards again recently with EX pull that has not changed score wise.