Any points for AAoA hitting 5 year mark?

[jeannieavc]

Anyone know if I should expect an increase in points once AAoA reaches the 5 year mark? (Can you tell that I'm desperate for some points?)

How about when 60 or 90 day late hits 5 year mark?

[haulingthescoreup]

I got somewhere around 10 points on EQ when I hit 5 years AAoA this month. That was with 21 years on longest, and I think I'd been dinged for having such a contrast between the two.

In other words, it varies, like everything else around here.

Your 60 is scored like a 30 after 2 years, so it's not huring that much. But the 90 has you in one of the two negative score buckets (serious derogatory), and that might dampen the effect of hitting 5 years. Or who knows? you might get even more points.

However, any time a negative gets another year older, that's good. Whether that alone will result in a score increase, I dunno. I think everyone's situations are just too variable to be able to make an across-the-board prediction.

[jeannieavc]

thanks hauling.  I'm new to the credit game but have learned SO much from this forum.

[smallfry]

I got no bump when TU reached 5 in July. YMMV.