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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
@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
@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
oh you poor thing, here you go
@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.
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.
@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'.
@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.
I believe you get a few points on Vantage
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
@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
oh you poor thing, here you go
I'll take it only if it's german beer