Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 764
Registered: ‎01-31-2009
0 Kudos


What are the signs of having been bucketed or rebucketed? I know what bucketing is, but I don't know what the signs are.

May 2013 Starting Scores: 540's-570's
July 2016 Scores: 654-705 ...No Lates, CA's or CO's, new car + high Util
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna/Penfed FCU ($5000); NFCU CLOC ( $15,000); NFCU Refi ($18,144) Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($61,000)..Luv'Em..they get heavy use!
Established Contributor
Posts: 900
Registered: ‎04-21-2013
0 Kudos

Re: (re)Bucketed?

I would watch your yearly AAOA. as it rolls over and starts a new year. And alot is your History

Do you have any negatives Dropping off?

Some say example 2 years AAOA can put you in a different bucket. Bottom line wouldn't worry about it since it usually will climb back up soon. Only If applying for Mortage would I spend more time watching.

(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage

Alaska Airlines
Senior Contributor
Posts: 7,735
Registered: ‎01-05-2013
0 Kudos

Re: (re)Bucketed?

If all other indicators remain unchanged, but you see a noticable move in score(s), rebucketing might responsible.

Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0 Kudos

Re: (re)Bucketed?

My experience has been that scores can go up or down depending upon who your scores are being compared to in the same bucket.


My score jumped when the last negative fell off but not drastically.

Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO

Take the FICO Fitness Challenge
Super Contributor
Posts: 9,668
Registered: ‎01-28-2010
0 Kudos

Re: (re)Bucketed?

Moved to understanding FICO® scoring.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
Posts: 431
Registered: ‎05-23-2013
0 Kudos

Re: (re)Bucketed?

What's funny is that we're taught to "garden" our credit to get better scores. But what if you're thrown into a bad bucket when the AAoA switches to a higher number, and your score drops? Now that would be a Catch 22....

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0 Kudos

Re: (re)Bucketed?

AAoA isn't a bad bucket.  Bad buckets would be if you have major derogatories on your CR. 


The thing with rebucketing is your score will recover faster than before.

Frequent Contributor
Posts: 409
Registered: ‎01-20-2012
0 Kudos

Re: (re)Bucketed?

I was rebucketed last year when the age of my credit report (ie. the age of my oldest account being reported) went from 18 years to 19 years. All of a sudden, the positive "You have a long credit history" turned into "You have a short credit history" because compared to all others with a credit report 19 years or older (which is a specific bucket), my credit report was young. I didn't see any negative effect (ie. no drop in score) from the rebucketing due to aging but if I had, I knew that time would've repaired the score drop.


Now, next year when that same oldest account has been closed for 10 years and I'm rebucketed again I may want to cry (next oldest account will be 11 years at that point) but I can't worry about that right now. Smiley LOL


Long story short, what important about rebucketing is the reason for it. If you've been rebucketed because you have a new collection or were 30 days late and previously your report was pristine then you have a problem. If you were rebucketed because a pesky collection or late payment has fallen off your report then that's a whole different ball of wax.

Citi Double Cash $16,600 / BofA Cash Rewards Visa Sig $11,000 / Barclaycard Rewards $8,900 / CapOne Platinum $7,450 / BofA BankAmericard Visa $3,500 / eBay MC $5,800 / Discover It $5,000 / Chase Freedom $1,500 / Lowe's $8,500 / JCP MC $6,500 / Walmart $5,000 / Amazon $4,100
Senior Contributor
Posts: 4,834
Registered: ‎04-20-2007
0 Kudos

Re: (re)Bucketed?

I check my reports at least once a month. No accounts have dropped and I am reporting the same dollar amounts and number of cards with a balance per month. Been doing this for over 6 years now and am aware of ANY changes to my reports and what effect they would have on my scores. My AAofA has not changed but i have seen my EX go from 816 to 787 and my TU go from 805 to 794. Good scores still but you never want to see lower scores.

Valued Contributor
Posts: 2,000
Registered: ‎04-07-2009
0 Kudos

Re: (re)Bucketed?

Changes in your credit profile/characteristics will change the bucket you are in. Here are a couple of examples haveing derog information on your credit report to having no no derog information on you report.. Heavy credit utilization to some credit utilization (> 10%) The FICO score has several score cards. Another possible sign is a change in the score reasons shown on your report IE a new one(s).

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.