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When should I expect change in score - UPDATED

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Senior Contributor

When should I expect change in score - UPDATED

On 2/10/19 I will have 2 inq on EQ and EX, & 1 on TU passing the 1 year mark and becomming unscorable.  At this same time my AoYA will pass the one year mark.

 

Based on those factors will my scores change within a few days of 2/10 or will I need to wait until March to see any changes in my scores?


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Current Scores




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12 REPLIES 12
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Super Contributor

Re: When should I expect change in score

Age is calculated by FICO based on the 1st of the month.  Therefore any age-related benefit will materialize either by Feb 2 or March 2. 

 

Inquiries are different.  The received wisdom here is that you get the scoring benefit 366 days after the date of the inquiry (if any benefit is forthcoming, that is).

 

In either case, bear in mind that the score may change without an alert being sent to you.  (In fact I am pretty sure that neither event is alertable.)

Message 2 of 13
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Senior Contributor

Re: When should I expect change in score


@CreditGuyInDixie wrote:

Age is calculated by FICO based on the 1st of the month.  Therefore any age-related benefit will materialize either by Feb 2 or March 2. 

 

Inquiries are different.  The received wisdom here is that you get the scoring benefit 366 days after the date of the inquiry (if any benefit is forthcoming, that is).

 

In either case, bear in mind that the score may change without an alert being sent to you.  (In fact I am pretty sure that neither event is alertable.)


So it would make sense to pull my scores on 2/11 or 2/12 to see what if any impact those events have on my score, and then possibly again on or after 3/2.


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Current Scores




Garden Goal is All Reports Clean

Message 3 of 13
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Super Contributor

Re: When should I expect change in score


@MakingProgress wrote:

@CreditGuyInDixie wrote:

Age is calculated by FICO based on the 1st of the month.  Therefore any age-related benefit will materialize either by Feb 2 or March 2. 

 

Inquiries are different.  The received wisdom here is that you get the scoring benefit 366 days after the date of the inquiry (if any benefit is forthcoming, that is).

 

In either case, bear in mind that the score may change without an alert being sent to you.  (In fact I am pretty sure that neither event is alertable.)


So it would make sense to pull my scores on 2/11 or 2/12 to see what if any impact those events have on my score, and then possibly again on or after 3/2.


That would cost you an awful lot of money.


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 728 TU 755 EX 732

Message 4 of 13
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Senior Contributor

Re: When should I expect change in score


@SouthJamaica wrote:

@MakingProgress wrote:

@CreditGuyInDixie wrote:

Age is calculated by FICO based on the 1st of the month.  Therefore any age-related benefit will materialize either by Feb 2 or March 2. 

 

Inquiries are different.  The received wisdom here is that you get the scoring benefit 366 days after the date of the inquiry (if any benefit is forthcoming, that is).

 

In either case, bear in mind that the score may change without an alert being sent to you.  (In fact I am pretty sure that neither event is alertable.)


So it would make sense to pull my scores on 2/11 or 2/12 to see what if any impact those events have on my score, and then possibly again on or after 3/2.


That would cost you an awful lot of money.


not really, I can use the EX $1 free trial replacement for CCT. 


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Current Scores




Garden Goal is All Reports Clean

Message 5 of 13
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Super Contributor

Re: When should I expect change in score


@MakingProgress wrote:

@SouthJamaica wrote:

@MakingProgress wrote:

@CreditGuyInDixie wrote:

Age is calculated by FICO based on the 1st of the month.  Therefore any age-related benefit will materialize either by Feb 2 or March 2. 

 

Inquiries are different.  The received wisdom here is that you get the scoring benefit 366 days after the date of the inquiry (if any benefit is forthcoming, that is).

 

In either case, bear in mind that the score may change without an alert being sent to you.  (In fact I am pretty sure that neither event is alertable.)


So it would make sense to pull my scores on 2/11 or 2/12 to see what if any impact those events have on my score, and then possibly again on or after 3/2.


That would cost you an awful lot of money.


not really, I can use the EX $1 free trial replacement for CCT. 


OK I stand corrected. Even by my standards $1 is not an awful lot of money Smiley Happy


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 728 TU 755 EX 732

Message 6 of 13
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Valued Contributor

Re: When should I expect change in score

You will see the AoYA bump on 2/1 (provided the account was open in Feb) and inquiry bumps on 2/10, if you pull (Experian trial) on 2/11, you won't be able to differentiate AoYA from inquiry bumps. I would pull on 2/6 to catch AoYA, then carry the 7 day trial through 2/13 so you'll have daily Experian update on 2/10.
Message 7 of 13
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Senior Contributor

Re: When should I expect change in score


@oldman87 wrote:
You will see the AoYA bump on 2/1 (provided the account was open in Feb) and inquiry bumps on 2/10, if you pull (Experian trial) on 2/11, you won't be able to differentiate AoYA from inquiry bumps. I would pull on 2/6 to catch AoYA, then carry the 7 day trial through 2/13 so you'll have daily Experian update on 2/10.

I'm really only concerned with the final outcome, so one pull should do it as long as both events are calculated into the scoring. 


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Message 8 of 13
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Valued Contributor

Re: When should I expect change in score

If you don't care about isolation, then yes a pull on 2/11 should capture all.
Message 9 of 13
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Senior Contributor

Re: When should I expect change in score - Updated

I pulled my scores on 2/1 and saw an increase due to AoYA passing one year. 

 

My EX had been stagnent at 726 for several months.    It went up to 729.     

 

On 2/10  I had 2 inq become unscorable.   This left no scorable inq on EX.   On 2/11 I apped for 3 new cards, and  2 inq hit EX.

 

I pulled my EX again on 2/11 and score was still 729.

 

Barclay's reported a new account to EX on 2/13, so I pulled my EX score this morning and my score was still 729, AoYA did show as 0 months.   I would have expected the score to drop with the new account.   We will see what happens when the other two new accounts report. 


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