@Anonymous wrote:That's interesting indeed. In my case, the inquiry didn't cost any points and AAoA was hardly affected, but I still lost 11 points for "New account too recent". It is easy to forget that latter factor, but it can hurt.
OP, was this the first account you opened in the last year? I am curious how you didn't get dinged by more than 1 point for "New credit".
I lost points recently when my only new account went over 6 months. Seriously.
As best as I can tell, if you're not in a negative score bucket (serious derog, late 60 days or over, BK, collection, etc etc), you get put in a New Credit bucket when you open a new account. In my case, that bucket seems to be more lenient on my old scattered lates than my regular bucket. So when I didn't have a new account any more, my score dropped.
Nothing is simple in FICOland. 
avenka; Was the 2nd card I opened this year.
@haulingthescoreup wrote:
@Anonymous wrote:That's interesting indeed. In my case, the inquiry didn't cost any points and AAoA was hardly affected, but I still lost 11 points for "New account too recent". It is easy to forget that latter factor, but it can hurt.
OP, was this the first account you opened in the last year? I am curious how you didn't get dinged by more than 1 point for "New credit".
I lost points recently when my only new account went over 6 months. Seriously.
As best as I can tell, if you're not in a negative score bucket (serious derog, late 60 days or over, BK, collection, etc etc), you get put in a New Credit bucket when you open a new account. In my case, that bucket seems to be more lenient on my old scattered lates than my regular bucket. So when I didn't have a new account any more, my score dropped.
Nothing is simple in FICOland.
That is unfortunate to wait 6 months and have a decrease, while anything is possible in FICO land as you stated I hope my results are not the same. I have a complete clean history for 6 years now, no lates, no negatives of any kind.