Score Bump with Amex Date Change...Anyone???

Anonymous · ‎08-29-2008

Does anyone know what kind of score increase, if any, would be gained by adding (AU) with an old Amex date and increasing average age from 3 to 7 years? DW has no issues other than low average and oldest at 11, which would change to 22. Thanks!!!

Anonymous · ‎08-29-2008

Could be very significant - with the caveat that it will put her in a bucket that is very picky about balances and utility.

If she has her utility at 3 percent or less her score could rocket up 30 points, but if she has utility in the 30% range she might gain much fewer points because she will be pounder harder for being over the average for the bucket.

Anonymous · ‎08-30-2008

Thanks...her UTL total/individual, runs 11-15%, and she zeroes out everything every 3 months. Does that help?

Anonymous · ‎08-30-2008

I would guess 35 points but that is a pure guess. If she has a pretty clean report.

Anonymous · ‎08-30-2008

Fairly clean - couple of older 30 lates (over 3 years)...I think she'd be happy with 15 points or so, but I'll let you know the outcome...