Ok. IM puzzled???

[Anonymous]

To me this is kinda weird. I get a scorewatch + 11. Of course I can't figure out why so I pull my report.  My one negative item was that I recently opened a new account 8 months ago. New negative 0 yay! It appears that my account that will be 1 year old in June has already aged.? 4 months early? Well, I then see where I had to inquries fall off from April 25, 2008. They are completely gone. So they came off a month early? Ok fico reports shows inquries for only 1 year & creditcheck total shows them for 2 years. They are completely gone on CCT too, after 1 year. Maybe bumpage? If so it still seems funny my account aging early & these falling off early at the exact same time. Oh well, I have no problems with equifax. Hello 802!

[Anonymous]

Good for you hitting that 800 club!  I don't kow you're entire situtation, but it's possible that you are now in a new scoring bucket.  Inquiries only affect you for 1 year, which is why, I believe, myfico only shows them for 1 year when others will show them for the full 2.  Did you have an inquiry that fell off?  Did one of your other accounts age further? 

[Anonymous]

Im sure the points came from the 2 inquries that came off 1 month early ( prob counted as 1 because they were mortage) and my only recent account aging to 1 year. What I'm puzzled about is that my account that aged was listed as weeks ago as 8 months old, which is correct. It was listed on my myfico score report as  whats hurting my score ( you recently opened a new credit account) Now a couple weeks later that account on my report still has the original open date that shows its almost 9 months old, but under whats hurting my score is 0 zip! So I say it aged to 1 year almost 4 months early. Then my inquiries that should no longer be affecting my fico at the end of April are GONE. I know that my fico only shows the ones for a year that are affecting your score, but on credit check total ( that still would have them listed for 2 years) they are also gone.  I just thought it was weird .