This is more significant when it's your only account. When you get beyond a couple of accounts it's negligible. The changes to underlying factors mask the impact of the slight aging of the accounts. 65% of your scores are payment / debt related... age is 15% / new credit 10%... so as the age/inq get older they have less of an impact.
In the past couple of years I've added so many accounts I don't even notice the impact of things aging at this point. My scores swing up and down 2-10 points every month. Even with 5 new accounts in the past couple of months. The more accounts you have the less you notice these things happening in the background.
I tend to agree with Birdman that a single revolver reaching 1 year in age probably would result in no scoring change. There is however a negative reason statement that pertains to AoOA and AAoA of revolvers, not just accounts. I see this as my number 2 negative reason statement on my TU Fico 8 score behind number of accounts with balances. My guess is that you'd have to look past the single revolver to all revolvers in trying to determine the cause of this negative reason statement to be generated (or removed).
You will get the inquiry points back at 365 days. No, you should not have any point change by a revolver turning one year old if you have a younger account.
When your youngest account becomes a year old it is believed by many that you rebucket and therefore there’s a point change.
Thanks. I figured it'd be specifically the inquiry points, but wondered if I would get anything else good out of it. Trying to beg, borrow and steal points on my way to 740+ for student loan refi by September to get considerably better rates than I currently have (when my AoYA actually gets to 1 year).
I've never gained any points for an account reaching one year, unless it was the youngest.
Last October I had more than 7 accounts reaching a year. No scoring changes on the 1st of the month. A few points here and there later in the month as those inq became unscorable.
The youngest reached a year in November and there was a nice chuck of points there.