Jump to content

Score increase at two year mark


nselig
 Share

The last post in this topic was posted 2044 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts


I'm at 3.9 AAOA on Transunion and Equifax.

 

I probably won't let it cross to 4.0, as I want to apply for a Barclays Arrival Plus this month, which will report within 24 hours, and knock me down 0.1 years of AAOA. And a couple other cards, which will take a month to report, so I'll be at 3.9 or lower for a couple months.

 

But I am curious as to whether I'd get a boost.

Interesting data point on the 25 month mark, Kat, which bureau was this? And was the bump at 2.1 years? Or 2.083 years (2 years and one month)?

MP

Edited by moneypyts
Link to comment
Share on other sites

I'm at 3.9 AAOA on Transunion and Equifax.

 

I probably won't let it cross to 4.0, as I want to apply for a Barclays Arrival Plus this month, which will report within 24 hours, and knock me down 0.1 years of AAOA. And a couple other cards, which will take a month to report, so I'll be at 3.9 or lower for a couple months.

 

But I am curious as to whether I'd get a boost.

 

Interesting data point on the 25 month mark, Kat, which bureau was this? And was the bump at 2.1 years? Or 2.083 years (2 years and one month)?

 

MP

 

 

Here's the thread, referencing my 25 month bump. This was also my very 1st topic/question :P

 

https://creditboards.com/forums/index.php?showtopic=536495

Link to comment
Share on other sites

Kat is correct in saying that it is truly passing the 24 month mark, not being at the 24 month mark.

 

 

I'm at 3.9 AAOA on Transunion and Equifax.

 

I probably won't let it cross to 4.0, as I want to apply for a Barclays Arrival Plus this month, which will report within 24 hours, and knock me down 0.1 years of AAOA. And a couple other cards, which will take a month to report, so I'll be at 3.9 or lower for a couple months.

 

But I am curious as to whether I'd get a boost.

 

Interesting data point on the 25 month mark, Kat, which bureau was this? And was the bump at 2.1 years? Or 2.083 years (2 years and one month)?

 

MP

 

 

Here's the thread, referencing my 25 month bump. This was also my very 1st topic/question :P

 

https://creditboards.com/forums/index.php?showtopic=536495

 

 

Will report back when I hit 25 months. Thanks for the info as always.

Link to comment
Share on other sites

I would expect you to see something next month, but it may be anywhere from 0-X points depending on how your other factors have you bucketed.

 

What's your current utilization?

 

My current ut is 8 percent. I also have three old baddies dropping off next year.

Link to comment
Share on other sites

 

I'm at 3.9 AAOA on Transunion and Equifax.

 

I probably won't let it cross to 4.0, as I want to apply for a Barclays Arrival Plus this month, which will report within 24 hours, and knock me down 0.1 years of AAOA. And a couple other cards, which will take a month to report, so I'll be at 3.9 or lower for a couple months.

 

But I am curious as to whether I'd get a boost.

Interesting data point on the 25 month mark, Kat, which bureau was this? And was the bump at 2.1 years? Or 2.083 years (2 years and one month)?

MP

 

 

Here's the thread, referencing my 25 month bump. This was also my very 1st topic/question :P

 

https://creditboards.com/forums/index.php?showtopic=536495

That's the thread where Kat explains what made her crazy.

Link to comment
Share on other sites

 

 

I'm at 3.9 AAOA on Transunion and Equifax.

 

I probably won't let it cross to 4.0, as I want to apply for a Barclays Arrival Plus this month, which will report within 24 hours, and knock me down 0.1 years of AAOA. And a couple other cards, which will take a month to report, so I'll be at 3.9 or lower for a couple months.

 

But I am curious as to whether I'd get a boost.

Interesting data point on the 25 month mark, Kat, which bureau was this? And was the bump at 2.1 years? Or 2.083 years (2 years and one month)?

MP

Here's the thread, referencing my 25 month bump. This was also my very 1st topic/question :P

 

https://creditboards.com/forums/index.php?showtopic=536495

That's the thread where Kat explains what made her crazy.

 

Haha... I saw that when I reread the thread :D

Link to comment
Share on other sites

  • 5 weeks later...

Just an update, I did see an significant increase on Transunion, however Equifax only reported a 3 point increase once I hit 2 years 1 month. Perhaps the three derogs are weighing it down too heavily (2011-2012)

Edited by nselig
Link to comment
Share on other sites

Just an update, I did see an significant increase on Transunion, however Equifax only reported a 3 point increase once I hit 2 years 1 month. Perhaps the three derogs are weighing it down too heavily (2011-2012)

 

Yep, that is why.

Link to comment
Share on other sites

 

Just an update, I did see an significant increase on Transunion, however Equifax only reported a 3 point increase once I hit 2 years 1 month. Perhaps the three derogs are weighing it down too heavily (2011-2012)

 

Yep, that is why.

 

 

I've disputed all three multiples times with verification every time. Two are due to drop off April/October of this year, and the other collections next year.

Link to comment
Share on other sites

 

 

Just an update, I did see an significant increase on Transunion, however Equifax only reported a 3 point increase once I hit 2 years 1 month. Perhaps the three derogs are weighing it down too heavily (2011-2012)

 

Yep, that is why.

 

 

I've disputed all three multiples times with verification every time. Two are due to drop off April/October of this year, and the other collections next year.

 

Don't sweat it... the time will fly by. In the meantime, just keep doing what you've been doing. Keeping utilization low and paying early :)

Link to comment
Share on other sites

 

 

 

Just an update, I did see an significant increase on Transunion, however Equifax only reported a 3 point increase once I hit 2 years 1 month. Perhaps the three derogs are weighing it down too heavily (2011-2012)

 

Yep, that is why.

 

 

I've disputed all three multiples times with verification every time. Two are due to drop off April/October of this year, and the other collections next year.

 

Don't sweat it... the time will fly by. In the meantime, just keep doing what you've been doing. Keeping utilization low and paying early :)

 

 

Thanks!

Link to comment
Share on other sites

The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

Link to comment
Share on other sites

 

The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

 

+1 Is this new i haven't seen it time to sign up for another $1 trial.

Edited by bigpoppa09
Link to comment
Share on other sites

 

 

The credit check total sxore projector tool seems to think I'm due for a big increase (approx. 50 points) when the bulk of my 10ish new revolving accounts age past 24 months in March 2018.

 

Is that a new tool? Do you get it on the trial version?

+1 Is this new i haven't seen it time to sign up for another $1 trial.

 

+ :wave:

Link to comment
Share on other sites

The last post in this topic was posted 2044 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share




  • Member Statistics

    • Total Members
      184508
    • Most Online
      2046

    Newest Member
    Sandy22
    Joined
×
×
  • Create New...

Important Information

Guidelines