@Anonymouswrote:I think the red hits are related to something else. Is it possible that FICO always has to have something negative listed? Is it like the kid that gets a 100% on the final exam? The professor is required by the Department Chair to give some positive feedback to the students to “improve” their performance. So I write, “you could have made your fours more legible in problem #2.” Maybe the worst thing FICO can find on your CR is that you opened an account just under a half decade ago?
If someone has a steadily clean negative column maybe they could chime in and provide some feedback. In the grand scheme of things, for me, if I could keep all my scores consistently above 800, it really doesn’t matter.
I've heard it said that once you hit 810 they stop giving you negative remarks. So at that point I think they go "we know we are just nitpicking at this point. Not even worth it.
I've got 12y and 5y for my AoOA and AAoA, I think its the average thats getting the alert. Probably 8 year cutoff, as thats reported at the average age needed for 850s. Sorry to hear about your Mortgage dissapearing, I've got an old account droping off every year for the next 4 years. Fortunately my oldest won't be, but my AAoA will stagnate until 2022.
@Anonymouswrote:
@KreeI've heard it said that once you hit 810 they stop giving you negative remarks. So at that point I think they go "we know we are just nitpicking at this point. Not even worth it.
I believe negative reason codes go away at a score of 800 on FICO 8 Classic that caps out at 850. This may be true of most models that cap out at 850, but not all. For example, on FICO 4 with a score of 803 I still get negative reason codes. For scoring models that go higher, like Bankcard 8 that goes to 900, I still receive negative reason codes with a score of 851.
It depends on the 3rd party summary report. Fico generates negative reason codes/statements for credit scores up to and including 2 points from the upper limit. However, some 3rd party summaries, such as My Fico stop listing them (even though they are generated) at within 50 points of upper limit - true for all Fico models listed on a 3B report.
I did still receive two negative reason statements for my EQ Bankcard Fico 8 from Citi at an 892 score - nothing on MyFico 3B at 850 or above. I also received a couple reason statements from Discover when my Classic TU Fico 8 score dropped to 848. Interesting to note that Discover listed no negative reason statements when my TU Classic Fico 8 score was 849 two months straight.
My recent TU inquiry has taken away some buffer - IMO. Appears like I may no longer be able to report balances on 100% of cards and maintain 850 on TU. 
Not an issue with EQ or EX. 
Number (or %) of cards reporting a balance is a Fico scoring factor - just not a real strong one for Fico 8. Thus, ability to be at 850 with all cards reporting balances - even sizeable balances on some cards as long as AG UT is below 9%. Same can hold true (maintaining 850) with a recent inquiry due to the generous buffer that can be realized with other factors "optimized".
I have six cards and occassionally put charges on all cards in a given month. I allow charges to report on statements and then pay the statement balance a few days before due date - never before cut date. Since I started monitoring Fico 8 beginning February 2014 I've had all cards report balances 4 or 5 times. Classic Fico 8 scores hass held at 850 regardless of 2, 3, 4, 5 or 6 cards reporting. It's due to the buffer on Fico 8.
Contrastingly, the Fico mortgage models, particularly EQ Fico 04 (score 5), penalize my score significantly. An example with 6 cards reporting is pasted below. [The next month, 3/25/16, when 3 of 6 cards reported, mortgage Fico scores increased to EQ 809, TU 823, EX 837]. Side note - One INQ on EQ during in Feb 2016, none on TU or EX. The INQ may influence sensitivity of mortgage score to EQ to # cards reporting - different Fico 04 scorecard for EQ? Back to zero INQ on EQ in March 2016.
