Okay, I've been pretty engaged on here for almost a year, but can't seem to find any old thread that answeres my two questions.... so thought I would re-ask the same two age-old quesitons 
1. Does FICO calculate in the age of new accounts? Meaning, if I have three new accounts.... one is about to hit the one year mark, and two are about to hit the 6 month mark, should I (or could I) expect to see any kind of score increase for accounts hitting those marks?
2. Inquiries falling off/aging - I've read threads where people state that inquiries stop counting against you at 1 year (they remain for 2), but start lessening in overall point impact at 6 months. Is there any thruth to this?
@Barneygirl wrote:Okay, I've been pretty engaged on here for almost a year, but can't seem to find any old thread that answeres my two questions.... so thought I would re-ask the same two age-old quesitons
1. Does FICO calculate in the age of new accounts? Meaning, if I have three new accounts.... one is about to hit the one year mark, and two are about to hit the 6 month mark, should I (or could I) expect to see any kind of score increase for accounts hitting those marks?
2. Inquiries falling off/aging - I've read threads where people state that inquiries stop counting against you at 1 year (they remain for 2), but start lessening in overall point impact at 6 months. Is there any thruth to this?
For 2, I am not sure exactly when inqs start having less of an effect. It may be earlier than that even. However, at one year you are correct and they don't effect your score at all (and decrease in effect before that). A manual review from a lender will still show them up to two years, and the person doing the review may take them into account.
Maybe on #1.
I did when I was effectively a no-file and building from scratch, but for someone more established might not be the case. Unfortunately I had no ability to tell whether this was from tradeline seasoning or inquiry aging. My experience with inquiries is they are graded on a step function and I'm not certain they decrease with age personally from my own data but honestly my reports around my application sprees are incredibly busy so it's difficult for me to isolate changes and explicitly state what caused a given change at the one year mark on tradelines.
On the other hand I'm seemingly bucketed hard against a boundary on my Beacon 5.0 score, so positives changes are pretty much lost on that side of the house at this point.
