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2 years ago
Sat Oct 01, 2022 9:54 pm
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Beefy
Seasoned Rebel
8 days ago I got the PayPal Mastercard card reported 2 days later (6 days) updated the balance a day after 76 dollars that (5 days) and then the balance updated again 0.00 2 days later (3 days)
Credit report showed the -4 points for the inquiry
@Cassie's rule of 3 at 21 months
Did I have offsetting metrics where AoOA wiped the penalty from AoYA? There are no other changes on my report. Yes I realize I am talking 4 points not fussed either way, but what exactly happened there? Does the PayPal MC need a full cycle to get factored on aging metrics? I typically see a score drop with a new account not 4 points from the HP and then gain 4 points out of thin air. But then I have also never had a card that updates the balance every time a charge or payment post...
This was my first HP on TU since July 2021 so no scorable HP's that would have fallen off.
Today I get an update your score has gone up 4 points
The age calc doesn't show a metric change for 21 months AoOA but it would follow Click images to enlarge them.
![Image](https://i.postimg.cc/Zn76QLbc/Abound.jpg)
![Image](https://i.postimg.cc/Pf2bNdWw/Affinity.png)
![Image](https://i.postimg.cc/FK53wz42/applecard.png)
![Image](https://i.postimg.cc/0QZS6Cws/alt-go.png)
![Image](https://i.postimg.cc/15XGqbBY/blue-cash-everyday.webp)
![Image](https://i.postimg.cc/KvWnrQsc/creditone.png)
![Image](https://i.postimg.cc/5tBLJJ9j/discover.png)
![Image](https://i.postimg.cc/pTP8XSyC/evergreen.png)
![Image](https://i.postimg.cc/Hk7bS5fw/paypal.png)
![Image](https://i.postimg.cc/yxdZ0SmS/quicksilver-card-art.webp)
![Image](https://i.postimg.cc/VvVbgLgZ/Redstone-FCU-VS-edit-2.png)
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Score data
EQ8-791; TU8-780 EX8-766
EQ9-816; TU9-776; EX9-776
EQ5-729; TI4- 740; EX2-723 - Classic 8 Scorecard CLEAN/THICK/YOUNG/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/YOUNG/NEW-ACCOUNT
- AoOA 2y5m
- AoORA 2y5m
- Date of Last Inquiry and/or New Account Opening May 28th, 2024
- Garden Goal 12