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3 years ago
Sat Mar 12, 2022 9:39 am
Credible
Seasoned Rebel
Credible has been gardening for over 2 years.
Credible has achieved the Garden Goal !!
Credible has achieved the Garden Goal !!
On February 23 my score was 771, and on March 1 it jumped up to 796. The only variables that changed were the time related variables. My mortgage account got the 1 year mark, my oldest (closed) account is now 9.5 years old, my oldest revolver hit the 3 year mark, and my average age of accounts is at 6 years if you include closed accounts but only 2 years if you ignore closed accounts. I know FICO acknowledged closed accounts and VantageScore 3.0 ignores them. Does version 4 also ignore closed accounts? When my utilization increased from 1% to 2% my VantageScore 3.0 decreased, but all other credit scores stayed the same.
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NEW-ACCOUNT
- AoOA 129 months
- AoORA 51 months
- Date of Last Inquiry and/or New Account Opening March 28th, 2022
- Garden Goal 24