Score up after 39 months?

[Anonymous]

Got a notification from Credit Karma "You've made 39 consecutive payments on your ***** Card". Now, I only use CK to monitor my EQ and TU reports and didnt pay much attention to this. But then CK went up 14pts. So I got curious and checked my FICO scores and they went up 3pts.

Is this  a thing? It has been 39 consecutive payments after my last 30 day late. I find it curious that both scores would go up. 

[ldkcivilservant]

Did your AAoA cross a threshold?

[Anonymous]

Number of on-time payments has no bearing on your Fico scores.  What does happen with time is that accounts age, something the previous reply touched on.  There may also be thresholds for the amount of time since your most recent and/or most severe late payment.  For example, if your only late payment was a 30D from 23 months ago and a threshold exists when it reaches 24 months, on the 1st of that following month your scores may increase.  This would have nothing to do with making 23-24 on-time payments and everything to do with the amount of time elapsed since the late and the crossing of a threshold.

Also there is no correlation between VS 3.0 and Fico scores.  If one goes up, never expect the other to.  Comparing them is like comparing apples to oranges.

[Anonymous]

---

@Anonymous wrote:

Number of on-time payments has no bearing on your Fico scores.  What does happen with time is that accounts age, something the previous reply touched on.  There may also be thresholds for the amount of time since your most recent and/or most severe late payment.  For example, if your only late payment was a 30D from 23 months ago and a threshold exists when it reaches 24 months, on the 1st of that following month your scores may increase.  This would have nothing to do with making 23-24 on-time payments and everything to do with the amount of time elapsed since the late and the crossing of a threshold.

Also there is no correlation between VS 3.0 and Fico scores.  If one goes up, never expect the other to.  Comparing them is like comparing apples to oranges.

---

Thank you very much for the response. Are we aware of any specific threadholds? 

[Anonymous]

Are you talking time since negative thresholds or age of accounts thresholds?

[gorgon]

I think this is new advertising fluff to get you to keep logging into CK.

I got an email on Monday that said I unlocked a payment streak by making 24 consecutive payments on my Nationwide account. Only thing is that the account was closed in 2014 with a zero balance, and no updates have been made on this account since 3/2015. But I did indeed make 24 consecutive payments.

[Anonymous]

---

@Anonymous wrote:

Are you talking time since negative thresholds or age of accounts thresholds?

---

For both, if possible.