First credit score at 6 months is 750

2 years ago

Thu Jul 21, 2022 1:45 am

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 20 hours, and 43 minutes Next Level in8 days, 3 hours, and 17 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 20 hours, and 43 minutes ago

Cassie wrote: ↑Wed Jul 20, 2022 6:27 pm Less than 24 hours away from getting an absolute perfectly clean data point on a single revolving bankcard account aging to 1 year on a brand-new credit file. I can't wait! Anyone wanna place a bet on the gain? The BoA provided TU8 score has been at 750 since a score could be calculated at 6 months. I'll go with 765. (I promise I will NOT edit this post to make myself look better tomorrow. LOL)

I share your eagerness to see score updates — I think when I wake up tomorrow I will get the result of my test on EX2 and I’m considering going to bed early to shorten the perceived wait — but if your friend gets her score solely from BofA, she might have to wait a few more days. My scores from them are typically dated as of the 21st, but they aren’t published until the 25th.

2 years ago

Thu Jul 21, 2022 5:20 am

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 43 minutes Next Level in6 days, 3 hours, and 17 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 43 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 43 minutes ago

Justaguy wrote: ↑Thu Jul 21, 2022 1:45 am ...but if your friend gets her score solely from BofA, she might have to wait a few more days. My scores from them are typically dated as of the 21st, but they aren’t published until the 25th.

Oh I completely overlooked the fact that we never checked it on the 21st (updated date shown in the portal) and always at least a few days later. @BrutalBodyShots : The inquiry date at TU for that card is July 31st, so this score update will not include any gain from the inquiry aging to 1 year. We'll get that inquiry gain data point next month with the August 21st update from Bank of America. Monthly reporting balance on this card has consistently been $64, which is her monthly T-Mobile autopay. That's 4% util, so it's optimized. (1 through 4 is the sweet spot on new credit files. 5% causes a small loss at every bureau, from -3 on EX8 to -5 on EQ8. Multiple data points from my own file under 2 years in age. Hers has never reported above 4% since the first score at 6 months.)

2 years ago

Thu Jul 21, 2022 11:01 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 43 minutes Next Level in6 days, 3 hours, and 17 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 43 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 43 minutes ago

@Justaguy was right, of course. The score hasn't updated yet. and when it does, it will say 'As of July 21'. I'll check again tomorrow night. (Friday, 22nd.)

2 years ago

Thu Jul 21, 2022 11:16 pm

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 20 hours, and 43 minutes Next Level in8 days, 3 hours, and 17 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 20 hours, and 43 minutes ago

If there’s a risk of annoying your friend by asking prematurely, I’ll be happy to tell you when mine appears. I think it’s on the same day for everyone.

2 years ago

Thu Jul 21, 2022 11:30 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 43 minutes Next Level in6 days, 3 hours, and 17 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 43 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 43 minutes ago

Justaguy wrote: ↑Thu Jul 21, 2022 11:16 pm If there’s a risk of annoying your friend by asking prematurely, I’ll be happy to tell you when mine appears. I think it’s on the same day for everyone.

Sure, we might as well get that data point as well! You're on a roll now! lol I can't convince her to sign up at Experian.com for the free, monthly EX8 score. I even offered to pay for a 1 month subscription at MF to see what all 28 scores look like at 1y0m. Some people just don't deal well with 'another thing to worry about'.

2 years ago

Sat Jul 23, 2022 2:51 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 43 minutes Next Level in6 days, 3 hours, and 17 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 43 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 43 minutes ago

Justaguy wrote: ↑Thu Jul 21, 2022 11:16 pm If there’s a risk of annoying your friend by asking prematurely, I’ll be happy to tell you when mine appears. I think it’s on the same day for everyone.

Day 2 (July 23rd): Bank of America still hasn't updated the TU FICO 8 score that will eventually show that it updated on July 21st. From this afternoon at Credit Karma: VS3 TU is at 730 with a single inquiry. VS3 EQ is at 743 with 0 inquiries. 4% util, both individual and aggregate, everything the same at both bureaus except for that single TU inquiry. Also, the single account was opened on July 31st, and as expected the VS3 age of 11 months is 1 month behind FICO's.

2 years ago

Sun Jul 24, 2022 10:34 am

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 20 hours, and 43 minutes Next Level in8 days, 3 hours, and 17 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 20 hours, and 43 minutes ago

Post was altered.

Last edited by Justaguy on Mon Jul 25, 2022 2:35 am, edited 1 time in total.

Cassie wrote: ↑Sat Jul 23, 2022 2:51 pm
Justaguy wrote: ↑Thu Jul 21, 2022 11:16 pm If there’s a risk of annoying your friend by asking prematurely, I’ll be happy to tell you when mine appears. I think it’s on the same day for everyone.
Day 2 (July 23rd): Bank of America still hasn't updated the TU FICO 8 score that will eventually show that it updated on July 21st. From this afternoon at Credit Karma: VS3 TU is at 730 with a single inquiry. VS3 EQ is at 743 with 0 inquiries. 4% util, both individual and aggregate, everything the same at both bureaus except for that single TU inquiry. Also, the single account was opened on July 31st, and as expected the VS3 age of 11 months is 1 month behind FICO's.

6/24: BofA scores still have not updated. Probably tomorrow. Edit: Apparently I don’t know what month it is. I meant 7/24.

2 years ago

Mon Jul 25, 2022 2:34 am

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 20 hours, and 43 minutes Next Level in8 days, 3 hours, and 17 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 20 hours, and 43 minutes ago

@Cassie: my July TU8 score is now appearing on the BofA site. It’s dated 7/19.

2 years ago

Mon Jul 25, 2022 11:16 am

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 43 minutes Next Level in6 days, 3 hours, and 17 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 43 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 43 minutes ago

Thanks @Justaguy ! This one says 'As of 7/20/2022' whereas yours is 'As of 7/19/2022'. Interesting. A single revolving bankcard account on a brand-new file, aging to exactly 1 year for both AoOA and AAoA: NO SCORE CHANGE!?!? Still at TU8 750 ! ( Note: Same utilization reporting this month as last month: 4% with equal dollar balances. )

tu_f8-aooa_aaoa_1yr0mo-single_revolver-750.png 57.2 KiB Viewed 215 times

Next month, around August 20th 25th, we'll see how much the single inquiry cost at TU. That inquiry ages to 1 year on July 31, or 6 days from now.

2 years ago

Mon Jul 25, 2022 6:20 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 43 minutes Next Level in15 days, 3 hours, and 17 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 43 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 43 minutes ago

Well that makes zero sense. I see no way there could be zero score gain.

2 years ago

Mon Jul 25, 2022 7:01 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 43 minutes Next Level in6 days, 3 hours, and 17 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 43 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 43 minutes ago

BrutalBodyShots wrote: ↑Mon Jul 25, 2022 6:20 pm Well that makes zero sense. I see no way there could be zero score gain.

Looking at that made me feel almost the same as when I lost $333 on a Superbowl bet this year. @Justaguy : Have you ever seen a mismatch in the BoA provided score compared to one you got elsewhere? They don't show what aging values were used for the score, but I can't see any reason why it wouldn't be 1y0m for everything: AoOA, AoORA, AAoA, AAoRA, AoYA, and AOYRA. I mean, the first score was updated on January 20th, which is at 6 months age for FICO score models. (Opened on July 31, so going from July 1st.)

2 years ago

Mon Jul 25, 2022 11:19 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 43 minutes Next Level in15 days, 3 hours, and 17 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 43 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 43 minutes ago

Like most Fico scores provided, the one by BoA is date stamped at the time the report data was pulled... so I'd imagine so long as it is at or later than the date of 1y0m that the aging metrics would be seeing the correct/updated value?

2 years ago

Tue Jul 26, 2022 12:20 am

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 20 hours, and 43 minutes Next Level in8 days, 3 hours, and 17 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 20 hours, and 43 minutes ago

Cassie wrote: ↑Mon Jul 25, 2022 7:01 pm @Justaguy : Have you ever seen a mismatch in the BoA provided score compared to one you got elsewhere?

I have not. It’s always been consistent with MF. I don’t think I’ve gotten TU8 scores anywhere else. I’m as stumped as the rest of y’all. Maybe there were gains and losses that, just coincidentally, exactly offset. There’s a scorecard change, from New Revolver to No New Revolver, right? That could take away some points. Could it be enough to cancel out all the gains? I have no idea.

2 years ago

Tue Jul 26, 2022 8:57 am

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 43 minutes Next Level in15 days, 3 hours, and 17 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 43 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 43 minutes ago

Have there been reports that moving from a New Revolver to a No New Revolver scorecard can result in a score loss? I always thought it had to be a gain, that is, that the low end of the No New Revolver scorecard was equal to or greater than the high end of a New Revolver scorecard. I guess thinking about it in reverse, if one were to experience a score loss in moving from a New Revolver to a No New Revolver scorecard, that would mean one should have experienced a score gain from the opposite in moving from a No New Revolver scorecard to a New Revolver scorecard, no? Of course that could easily be conflated by the addition of a new account, inquiry, etc. I'm not talking about the net change though, just the isolated scorecard change being the only real variable.

2 years ago

Tue Jul 26, 2022 11:09 am

Justaguy

Seasoned Rebel

Justaguy has been gardening for over 2 years.

Level33 Last INQTuesday, November 16, 2021 Gardening For2 years, 9 months, 22 days, 20 hours, and 43 minutes Next Level in8 days, 3 hours, and 17 minutes on September 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 9 months, 22 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached9 months, 22 days, 20 hours, and 43 minutes ago

I’m not claiming to know the real answer; just spitballing. My perspective on scorecard changes got rocked when @Cassie made the transition from Young to Mature. That was at AoOA = 36m and she lost something like 20 points, right? I thought of that as a big fish in a small pond situation, where the fish moves to a bigger pond. Maybe that’s a flawed mental model. My point is, the evidence has not always fit with my intuition when it comes to scorecard changes. I’m now open to the idea that scorecard changes one generally views as positive can have a negative effect on scores, particularly in the short run.

2 years ago

Tue Jul 26, 2022 12:48 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 43 minutes Next Level in15 days, 3 hours, and 17 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 43 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 43 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 43 minutes ago

I definitely agree with the one regarding AoOA @ 36 months as that's been documented many times of course with Cassie being one of the main ones. I was just curious if there was any actual reports or evidence of the move to a No New Revolver scorecard from a New Revolver scorecard resulting in a score drop.