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is there a score change post 2 year app date?

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bourgogne
Valued Contributor

is there a score change post 2 year app date?

I know one gets ing pts back after a year but I thought I heard something happens at 2 years - or am I hearing things?  thx

Message 1 of 16
15 REPLIES 15
Remedios
Credit Mentor

Re: is there a score change post 2 year app date?


@bourgogne wrote:

I know one gets ing pts back after a year but I thought I heard something happens at 2 years - or am I hearing things?  thx


I got nothing for individual accounts reaching two years 

 

Smiley Frustrated

Message 2 of 16
bourgogne
Valued Contributor

Re: is there a score change post 2 year app date?


@Remedios wrote:

@bourgogne wrote:

I know one gets ing pts back after a year but I thought I heard something happens at 2 years - or am I hearing things?  thx


I got nothing for individual accounts reaching two years 

 

Smiley Frustrated


oh you poor thing, here you go

 

door prize.jpg

Message 3 of 16
MakingProgress
Senior Contributor

Re: is there a score change post 2 year app date?


@bourgogne wrote:

I know one gets ing pts back after a year but I thought I heard something happens at 2 years - or am I hearing things?  thx


The inquiry will no longer show on your CR after 2 years, but that will not affect your score. 

FICO 8 Starting Score

Current Scores


Garden Goal is All Reports Clean – Achieved 11/26/20
Message 4 of 16
gdale6
Moderator Emeritus

Re: is there a score change post 2 year app date?

What you are most likely referring to on the 2 year is the belief that a 30 day late will not affect Fico past 2 years.

Message 5 of 16
SouthJamaica
Mega Contributor

Re: is there a score change post 2 year app date?


@bourgogne wrote:

I know one gets ing pts back after a year but I thought I heard something happens at 2 years - or am I hearing things?  thx


No change in score. Only 1 year's worth of inquiries are 'scorable'.


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 6 of 16
Anonymous
Not applicable

Re: is there a score change post 2 year app date?


@gdale6 wrote:

What you are most likely referring to on the 2 year is the belief that a 30 day late will not affect Fico past 2 years.


The OP made no mention of a baddie aging past 2 years and from his thread title it seems he's really looking for AoYA reaching 24 months.

 

If that's the case, I did not see a single FICO point on any of my 28 FICO scores when AoYA went from 23 months --> 24 months.  I have a clean/thick/aged file just for a point of reference.

Message 7 of 16
Meanmchine
Super Contributor

Re: is there a score change post 2 year app date?

I believe you get a few points on Vantage

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 8 of 16
bourgogne
Valued Contributor

Re: is there a score change post 2 year app date?

thanks everyone.  ? was for someone I know not me but I was curious as well.  I have no idea what I thought I heard but it was not bads falling off.  no matter, have a good weekend all

Message 9 of 16
Remedios
Credit Mentor

Re: is there a score change post 2 year app date?


@bourgogne wrote:

@Remedios wrote:

@bourgogne wrote:

I know one gets ing pts back after a year but I thought I heard something happens at 2 years - or am I hearing things?  thx


I got nothing for individual accounts reaching two years 

 

Smiley Frustrated


oh you poor thing, here you go

 

door prize.jpg


I'll take it only if it's german beer 

Message 10 of 16
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