@Pigeyex wrote:My credit utilization didn't change (and isn't very good, either, at 29% currently after two weddings and a funeral!), no old baddies dropped off. Only thing I can think of is that one of my 5 hard pulls now looks like it's 6 months and 1 day old? So maybe that one reaching > 6 mos. into my rear-view mirror accounts for the bump from 701 to 711?
Another Q: When they "bundle" hard pulls (example: two different potential auto lenders pull your credit, one week apart) and treat them as one . . . which date governs, in terms of its aging -- the older one or the more recent one?
Thanks,
Pigeye
How long before the 711 did you pull the 701? If they were pulled in two different months, the increase could have been the result of your length of credit history increasing just enough to cross over into a new threshold for one or more of the various length of history calculations. Did your score factors/reason codes change at all from the 701 to 711? One thing it isn't, however, is that your 5 inquiries are now looking like 6 months + 1 day, but nice try! 
As for bundling the hard pulls, the score measures the number of days between them and as long as there are less than 45 days (# days can differ depending on the score model for older versions) between any two scores, one will be eliminated. It's tough to describe, but if you start with the newest inquiry date and go in order from newest to oldest, start with one and only count an additional inquiry if there are more than 45 days between them. Hope that makes some sense, but let me know if it needs more explaining and I'll do my best.
@Barry wrote:
@Pigeyex wrote:My credit utilization didn't change (and isn't very good, either, at 29% currently after two weddings and a funeral!), no old baddies dropped off. Only thing I can think of is that one of my 5 hard pulls now looks like it's 6 months and 1 day old? So maybe that one reaching > 6 mos. into my rear-view mirror accounts for the bump from 701 to 711?
Another Q: When they "bundle" hard pulls (example: two different potential auto lenders pull your credit, one week apart) and treat them as one . . . which date governs, in terms of its aging -- the older one or the more recent one?
Thanks,
Pigeye
How long before the 711 did you pull the 701? If they were pulled in two different months, the increase could have been the result of your length of credit history increasing just enough to cross over into a new threshold for one or more of the various length of history calculations. Did your score factors/reason codes change at all from the 701 to 711? One thing it isn't, however, is that your 5 inquiries are now looking like 6 months + 1 day, but nice try!
On Feb. 20, it was a 701 (since Feb. 10, when it dropped from 702.. On Feb 23, it jumped to the 711. Only thing in between was AmEx giving me my 3x CLI, but my resulting utilization % -- while lower than it was on the 20th -- was actually still a little HIGHER than it had been during the period of time I was posting 701 scores, due to increased use of my cards for a funeral-related trip with my family recently.
On both the Feb 20 and the Feb 23 reports my oldest account was at 34.9 years, so that can't be it.
@Barry wrote:
@Pigeyex wrote:My credit utilization didn't change (and isn't very good, either, at 29% currently after two weddings and a funeral!), no old baddies dropped off. Only thing I can think of is that one of my 5 hard pulls now looks like it's 6 months and 1 day old? So maybe that one reaching > 6 mos. into my rear-view mirror accounts for the bump from 701 to 711?
Another Q: When they "bundle" hard pulls (example: two different potential auto lenders pull your credit, one week apart) and treat them as one . . . which date governs, in terms of its aging -- the older one or the more recent one?
Thanks,
Pigeye
How long before the 711 did you pull the 701? If they were pulled in two different months, the increase could have been the result of your length of credit history increasing just enough to cross over into a new threshold for one or more of the various length of history calculations. Did your score factors/reason codes change at all from the 701 to 711? One thing it isn't, however, is that your 5 inquiries are now looking like 6 months + 1 day, but nice try!
I thought although the HPs remain on your report, their affect on your score lessens after 6 months and after one year, no? Could've sworn someone on here told me that . . .
@Pigeyex wrote:
@Barry wrote:
@Pigeyex wrote:My credit utilization didn't change (and isn't very good, either, at 29% currently after two weddings and a funeral!), no old baddies dropped off. Only thing I can think of is that one of my 5 hard pulls now looks like it's 6 months and 1 day old? So maybe that one reaching > 6 mos. into my rear-view mirror accounts for the bump from 701 to 711?
Another Q: When they "bundle" hard pulls (example: two different potential auto lenders pull your credit, one week apart) and treat them as one . . . which date governs, in terms of its aging -- the older one or the more recent one?
Thanks,
Pigeye
How long before the 711 did you pull the 701? If they were pulled in two different months, the increase could have been the result of your length of credit history increasing just enough to cross over into a new threshold for one or more of the various length of history calculations. Did your score factors/reason codes change at all from the 701 to 711? One thing it isn't, however, is that your 5 inquiries are now looking like 6 months + 1 day, but nice try!
On Feb. 20, it was a 701 (since Feb. 10, when it dropped from 702.. On Feb 23, it jumped to the 711. Only thing in between was AmEx giving me my 3x CLI, but my resulting utilization % -- while lower than it was on the 20th -- was actually still a little HIGHER than it had been during the period of time I was posting 701 scores, due to increased use of my cards for a funeral-related trip with my family recently.
On both the Feb 20 and the Feb 23 reports my oldest account was at 34.9 years, so that can't be it.
It very well may have been the lowering of your util with the Amex CLI, despite it being higher than it was earlier, since it was lower than on the 20th. Were there any differences in your reason codes between the two dates?
@Barry wrote:
@Pigeyex wrote:
@Barry wrote:
@Pigeyex wrote:My credit utilization didn't change (and isn't very good, either, at 29% currently after two weddings and a funeral!), no old baddies dropped off. Only thing I can think of is that one of my 5 hard pulls now looks like it's 6 months and 1 day old? So maybe that one reaching > 6 mos. into my rear-view mirror accounts for the bump from 701 to 711?
Another Q: When they "bundle" hard pulls (example: two different potential auto lenders pull your credit, one week apart) and treat them as one . . . which date governs, in terms of its aging -- the older one or the more recent one?
Thanks,
Pigeye
How long before the 711 did you pull the 701? If they were pulled in two different months, the increase could have been the result of your length of credit history increasing just enough to cross over into a new threshold for one or more of the various length of history calculations. Did your score factors/reason codes change at all from the 701 to 711? One thing it isn't, however, is that your 5 inquiries are now looking like 6 months + 1 day, but nice try!
On Feb. 20, it was a 701 (since Feb. 10, when it dropped from 702.. On Feb 23, it jumped to the 711. Only thing in between was AmEx giving me my 3x CLI, but my resulting utilization % -- while lower than it was on the 20th -- was actually still a little HIGHER than it had been during the period of time I was posting 701 scores, due to increased use of my cards for a funeral-related trip with my family recently.
On both the Feb 20 and the Feb 23 reports my oldest account was at 34.9 years, so that can't be it.
Were there any differences in your reason codes between the two dates?
Unfortunately, it only gives "Reasons positively affecting your score" and "reasons negatively affecting your score" for your CURRENT score -- not for the archives. For the archives, I can view the reports themselves and the summary (AAofA, utilization %, etc. etc.), but not the score rationale notes.
@Pigeyex wrote:
@Barry wrote:
@Pigeyex wrote:
@Barry wrote:
@Pigeyex wrote:My credit utilization didn't change (and isn't very good, either, at 29% currently after two weddings and a funeral!), no old baddies dropped off. Only thing I can think of is that one of my 5 hard pulls now looks like it's 6 months and 1 day old? So maybe that one reaching > 6 mos. into my rear-view mirror accounts for the bump from 701 to 711?
Another Q: When they "bundle" hard pulls (example: two different potential auto lenders pull your credit, one week apart) and treat them as one . . . which date governs, in terms of its aging -- the older one or the more recent one?
Thanks,
Pigeye
How long before the 711 did you pull the 701? If they were pulled in two different months, the increase could have been the result of your length of credit history increasing just enough to cross over into a new threshold for one or more of the various length of history calculations. Did your score factors/reason codes change at all from the 701 to 711? One thing it isn't, however, is that your 5 inquiries are now looking like 6 months + 1 day, but nice try!
On Feb. 20, it was a 701 (since Feb. 10, when it dropped from 702.. On Feb 23, it jumped to the 711. Only thing in between was AmEx giving me my 3x CLI, but my resulting utilization % -- while lower than it was on the 20th -- was actually still a little HIGHER than it had been during the period of time I was posting 701 scores, due to increased use of my cards for a funeral-related trip with my family recently.
On both the Feb 20 and the Feb 23 reports my oldest account was at 34.9 years, so that can't be it.
Were there any differences in your reason codes between the two dates?
Unfortunately, it only gives "Reasons positively affecting your score" and "reasons negatively affecting your score" for your CURRENT score -- not for the archives. For the archives, I can view the reports themselves and the summary (AAofA, utilization %, etc. etc.), but not the score rationale notes.
Too bad. They really should provide that info for the older scores. I guess unless you or anyone else has any better suggestions, the Amex sounds like the most logical reason I can think of.