FICO scoring question/question about simulator results.

[sjt]

Today, my score went up over 800 on my Experian. I was playing around with their FICO simulators and it showed that my score would drop 30 points if I got a new revolver. It showed a 5 point drop if I got a new installement or mortgage. My most recent account was opened a year ago (9.22.18). Prior to that it was over two years.

Is it possibile that my score can drop that much over a new revolver?

[Jnbmom]

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@sjt wrote:

Today, my score went up over 800 on my Experian. I was playing around with their FICO simulators and it showed that my score would drop 30 points if I got a new revolver. It showed a 5 point drop if I got a new installement or mortgage. My most recent account was opened a year ago (9.22.18). Prior to that it was over years.

Is it possibile that my score can drop that much over a new revolver?

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Well depending on your AAOA, if it would fall say under the 2 year mark, then I could see a dip. But with a scores like that I assume your history is well aged, and simulators are not always accurate.

[sjt]

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@Jnbmom wrote:

Well depending on your AAOA, if it would fall say under the 2 year mark, then I could see a dip. But with a scores like that I assume your history is well aged, and simulators are not always accurate.

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My average age is 4 years 7 months. Oldest account is over 15 years

[Jnbmom]

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@sjt wrote:

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@Jnbmom wrote:

Well depending on your AAOA, if it would fall say under the 2 year mark, then I could see a dip. But with a scores like that I assume your history is well aged, and simulators are not always accurate.

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My average age is 4 years 7 months. Oldest account is over 15 years

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Well with your age, I don't think it would drop that much, but lord knows with FICO?