New account and FICO

[Anonymous]

Is it possible that FICO does not take into account the impact of a new account until at least one statement update has been made by the creditor? I am talking about a case when a new account has appeared in the report right after approval but the first statement has not yet posted.

Here's why I am asking this question:

  http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/New-account-not-impacting-score/td-p/8304...

[Anonymous]

Hi Avenka,

The impact of a new account comes as soon as the account shows up on your reports - FICO does not wait until the first statement updates.

It will impact your AAofA and your available credit (if it reports CL's)  immediately. 

Hope that helps! 

[Anonymous]

I know, but thanks for confirming it.

That indeed helps confirm my flummoxment.