Large difference in Experian Fico 2 scores

[Anonymous]

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@Anonymous wrote:
Yes, per FICO accounts always age the first of the month.

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Will I see a points increase when I hit the actual 1 year anniversary date in late December?  Or, have I seen the points lift already when the AoYA hit 1 year on Dec 1st?

[Anonymous]

They come on the 1st, IME, not on the exact anniversary. FICO goes by the 1st. So, you already got them.

Wait, you went from one counting card with a balance to two counting cards with a balance and got an increase?

Was the increase on the 1st or 2nd?

Or is this the only counting card with a balance?

[Anonymous]

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@Anonymous wrote:

Wait, you went from one counting card with a balance to two counting cards with a balance and got an increase?

Was the increase on the 1st or 2nd?

Or is this the only counting card with a balance?

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Only one of the counting cards has a balance. Card 4 is at zero. Card 2 is at 8% UTIL. 

Cards 1 & 3 both have balances, but, should not be counting towards the score due to high CLs. I will be paying Card 1 down to zero, but that will take 2 months to get there. I will report back once I have done that, to give the DP if there is any effect on points.  

[Anonymous]

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@Anonymous wrote:

Was the increase on the 1st or 2nd?

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The increase in points that I saw when the AoYA hit 1 year, happened on the 1st of December. 

[Anonymous]

Its not seeing it for utilization metrics, but it should still be seeing it for number of revolvers/accounts metric, so all else remaining equal, you may see a gain when it reports 0.

How many total revolvers did you say you have open? How many had a balance including those excluded from utilization? (see if you would cross a breakpoint.)

Yes, it should have been the 1st.