thanks. I had seen that it actually may become a positive at the 1 year anniversary. I was just wondering whether the negative effect was gradually removed month by month. i.e. I would assume a 1 month old account would ding you more than a 10 month old account. I was just wondering whether I may get one or two points for it aging from 10 months to 11 months. Since it will age in a couple of days by one month and because I sort of could benefit from 1 or 2 pts right now, it would be relevant to know. By 12 months I think it could be moot becuase I'll be done with my refi.
