New Amazon card reported, zero score change?

[Anonymous]

Good Morning,

Just got an alert that my new Amazon store card has reported. The alert also said that my score hasn't changed. My util is below 3% across the board and with the new Amazon card reporting I still have less that 50% accounts reporting a balance. I was bracing for the impact on my score from the new account but nothing happened. Can this be or is there a lag time?

CB

[Anonymous]

You did good.  Any score impact for the account reporting would show up without a time lag.

As you've indicated, Your utilization is good - so you wouldn't anticipate a score issue there.

And, Your number of accounts reporting is good - so you wouldn't anticipate a score issue there either.

It appears that Your AAofA probably remained the same (or at least it stayed in the same bucket, if not the same "rounded down to a full year" age) - you can always do the math to confirm that (I think it's good to do the math before app'ing just in case you're creating a change with a new account).

Congrats dude!  Nicely done!

[RobertEG]

You took two hits with the new card,  A new inq, and a drop in your AAoA.

You took a boost in adding additional CL to your % util calculation.

Maybe they were a wash.  None appear to be major factors.

[Imhotrodcrazy]

I also received a SW alert today.  My util dropped to 0%.  I wanted to see what would happen,  but nothing changed for me either.  Score remains unchanged.

[marty56]

For me, # cards reporting a balance seems to have a much bigger effect than the balances.

[Anonymous]

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@marty56 wrote:

For me, # cards reporting a balance seems to have a much bigger effect than the balances.

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Same here. I had an extra card report a balance due to reporting dates overlapping and it dinged my score 4 points. Keeping my balances under 10% as opposed to say 20% only gives me about 2 points. But then of course if you are close to realizing a goal, every point counts.