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@UpAndComing74 wrote:Is 6 months 12/2020 or 01/2021. Do we count the month of opening?
Ageing is calculated on the 1st of the month. If you opened a revolving in July 2020. Then you may see a score improvement in January 2021. You do not count the open month.
Besides waiting, as @AndySoCal mentioned, see if there is any derogatory or delinquency you can address. Have you looked into a GW Good Will campaign.
GW campaign. I have 3 accounts with late pay. 2 are from 2017 and 2018. i have read that after 24 months the effect is minimal. The most important one is from 01/2020...i GW it...DENIED!!!.... So it appears ive exhausted all avenues except time.
@UpAndComing74 wrote:GW campaign. I have 3 accounts with late pay. 2 are from 2017 and 2018. i have read that after 24 months the effect is minimal. The most important one is from 01/2020...i GW it...DENIED!!!.... So it appears ive exhausted all avenues except time.
I would recommend reading The Saturation Technique: Best GW adjustment odds. Not knowing who was the lender, it may take repeated attempts. You got time, now you need postage stamps and patience.
@Anonymous wrote:
@UpAndComing74 wrote:
AoYRA - What is your AoYRA Age of Youngest Revolving Account?
I have:
Navy Federal opened 7/2020
Apple Card. opened 7/2020
Mercury Credt openeed 6/2020
Is 6 months 12/2020 or 01/2021. Do we count the month of opening?
Jan 1st all the 2 most recent accounts will hit 6 months, meaning then your AoYRA will hit 6 months and you should hopefully see some points then. Stay at AZEO.
While your 3rd account that ages to 6 months on Dec 1st, it is not your youngest account, so you will likely not see points then since your AoYRA will still only be 5 months, points will be rewarded when you hit 6 months.
Maybe @Anonymous has some pointers for you.
@Anonymous i'm about to hit the sack, so I may have to read it tomorrow, but I read your tag and wanted to point out that AOYRA is only significant at 12 months for version 8 for scorecard reassignment.
The potential points at 3 month increments derive from AOYA, which can also include loan accounts. Tag me again on this thread tomorrow and I'll read it and see if I have any advice if you don't mind, because I'm about to crash.
@UpAndComing74 wrote:GW campaign. I have 3 accounts with late pay. 2 are from 2017 and 2018. i have read that after 24 months the effect is minimal. The most important one is from 01/2020...i GW it...DENIED!!!.... So it appears ive exhausted all avenues except time.
@UpAndComing74 No after 24 months the impact is more like 50%. I read the thread and you've gotten a lot of great advice. Attacking the lates or letting time run are your main options. Opening all those accounts hurt you. Im sorry.