I woke up to an unexpected score jump of 8 points on Experian this morning. The only thing I can point to is that I have 3 cards that may have turned 3 months on this month. I actually got the cards on 11-1, 11-15, and 11-15 last year, but they show on the report that they were opened 11-1. My score only dipped 13 points from going on a 5 card spree at the end of the year, so this almost got it back!
Is 3 months a big deal as far as scoring goes?
The only thing else that changed that I see is that my AAoA went from 4 yrs to 4yrs, 1 month. No other accounts or balances have reported differently since the 23rd.
Is 3 months a big deal as far as scoring goes?
The only thing else that changed that I see is that my AAoA went from 4 yrs to 4yrs, 1 month. No other accounts or balances have reported differently since the 23rd.
Congratulations on your success!
Depending on profile, some may see ageing points at the 3m, 6m and of course the 12m AoYA points bonus.
There's a few post here and even this one from today that addresses the 3M mark for AoYA for certain scorecards. Not for me, but what I gather from reading this and the link Cassiecard included, it sounds like it is seen on thin and/or dirty scorecard..?
That’s awesome. I have 2 more cards that will age to 3 months next month, and a HP that will fall off, so hopefully I’ll see some more upward movement.