Mine just went up 25 points! 
No changes really except my inquiries aged a few months?
@Anonymous wrote:Mine just went up 25 points!
Over a few months? A lot of things can change in that amount of time 
.
I wouldn't be looking to inquiries personally unless several aged out. Nothing intrinsic on time of month other than your individual file's reporting data.
@Revelate wrote:
@Anonymous wrote:Mine just went up 25 points!
Over a few months? A lot of things can change in that amount of time
I wouldn't be looking to inquiries personally unless several aged out. Nothing intrinsic on time of month other than your individual file's reporting data.
None of the inquiries went past 6 months. I think I have 5 inquiries on Experian. My oldest 4/15. So I have no idea. Just went up 25 points in 1 day. Nothing else changed.
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:Mine just went up 25 points!
Over a few months? A lot of things can change in that amount of time
I wouldn't be looking to inquiries personally unless several aged out. Nothing intrinsic on time of month other than your individual file's reporting data.
None of the inquiries went past 6 months. I think I have 5 inquiries on Experian. My oldest 4/15. So I have no idea. Just went up 25 points in 1 day. Nothing else changed.
I doubt inquiries have any age factor other than the 1 year mark where they stop counting completely.
25 points personally I'd be looking for a change in utilization (revolving or installment if we are talking FICO 8) or something fell off my report or some tradeline is reporting subtly differently. Not everything is tracked by the monitoring solutions which simply aren't granular enough to catch some things, but something occurred to make that large of a change.
What date was your last reported score before this most recent?
@Revelate wrote:
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:Mine just went up 25 points!
Over a few months? A lot of things can change in that amount of time
I wouldn't be looking to inquiries personally unless several aged out. Nothing intrinsic on time of month other than your individual file's reporting data.
None of the inquiries went past 6 months. I think I have 5 inquiries on Experian. My oldest 4/15. So I have no idea. Just went up 25 points in 1 day. Nothing else changed.
I doubt inquiries have any age factor other than the 1 year mark where they stop counting completely.
25 points personally I'd be looking for a change in utilization (revolving or installment if we are talking FICO 8) or something fell off my report or some tradeline is reporting subtly differently. Not everything is tracked by the monitoring solutions which simply aren't granular enough to catch some things, but something occurred to make that large of a change.
What date was your last reported score before this most recent?
I thought inquires only affected score for 6 months.
This was literally in 1 day. My score on 7/31 was 721 from Experian. 8/1 - 746. Utilization is the same. No alerts about anything account related in that time. Only 1 on how my score went from Good to Very Good and another about my score going up 25 points. Getting info from CCT. Sadly, I've love to get my other 2 scores right now. But I can't until another 14 days! 
Seriously the only change is the new month!
@anon - you made the statement, "I thought inquires only affected score for 6 months." That is not correct; inquiries have significant impact on the score for one year, the impact is not so significant after the first year.
@Anonymous wrote:
@Anonymous wrote:
Experian considers all your cards to have been opened on the 1st of the month in the month they were opened -- have a look at account opened date, you will see on EX that it's always the 1st, regardless of what the actual day was. This is true on EQ as well but I think TU actually uses the real opening day.
So......
Take a look at two things: What happened to the age of your OLDEST account on that one day? And what happened to your AAoA on that one day?
Both those numbers at EQ change only on the 1st of a month. I would bet you find your answer as to why your score went up--something hit a nice round number?
Good to know about inquiries affecting up to a year.
Oldest Account13.2 year(s)Date Opened06/01/2002 (Closed on 4/15/15, but Experian treats this as 4/1/15?)Nex Oldest AccountDate Opened07/01/2003 (Open)Average Account Age4.1 year(s)So doesn't seem to be there. It must be something that happened in August or September? I'll look around.
Well, oldest cards are nice to know, but you have recent INQ. That implies recently opened CC as well.
What are the opening dates for each of the newer cards, those under 2 years?
