Newest acct aging to 2 years

[IodineNightSky]

Anyone know if I'm likely to see any bump to fico 8s or mortgage scores when my newest revolver (target card) ages to 2 years this month? 

Relatively thick profile but avg age is only 6 years. 

Starting the mortgage process soon - f8s and mortgages are all 705-720 or so. 

[Anonymous]

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@IodineNightSky wrote:

Anyone know if I'm likely to see any bump to fico 8s or mortgage scores when my newest revolver (target card) ages to 2 years this month? 

Relatively thick profile but avg age is only 6 years. 

Starting the mortgage process soon - f8s and mortgages are all 705-720 or so. 

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Didn't do a darn thing for me.  What I've noticed did help recently is my oldest account reaching 6 years.  5 years did nothing.

[Anonymous]

Most likely it won't change scores much, if at all. FICO8 transitions off of the new revolver score card when an account reaches 12 months of age. Mortgage scores transition off the new account score card when the newest account (revolving or installment) reaches 18 months. Any age related score gains you see now are more likely going to be from average age of accounts increasing or the age of your oldest revolver increasing. Score gains from average age of accounts increasing tends to happen when they reach an age evenly divisible by 3, i.e. X years and 0,3,6,9 months.

[IodineNightSky]

thanks so much for the info folks!

sounds like no gain solely for my newest card turning 2 years, but AAoA can pick up points, perhaps, at monthly/yearly intervals divisible by 3. 

[SouthJamaica]

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@IodineNightSky wrote:

thanks so much for the info folks!

sounds like no gain solely for my newest card turning 2 years, but AAoA can pick up points, perhaps, at monthly/yearly intervals divisible by 3. 

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Well it's not quite as simple as that. Some folks, e.g., have noticed no AAoA bump at 3 years but detected one at 3 1/2 years.