topic Re: 4 year average age of accounts AAoA data points in Understanding FICO® Scoring

4 year average age of accounts AAoA data points

tooleman694 — Wed, 01 Jan 2020 08:54:47 GMT

Waited all night on new years to see what would happen when I hit 4 years AAoA. This is the data I have for Experian only.

The only change was that I hit 4 years AAoA, and my youngest account hit 3 months old. This compares yesterday VS today.

I am sitting at about 40 percent total util, I had a BK13 from 2015.

2019

Fico 8 - 673

Fico 2 - 656

Fico Auto 2 - 631

Fico Auto 8 - 655

FICO BANKCARD SCORE 2 - 620

FICO SCORE 3 - 621

FICO BANKCARD SCORE 8 - 673

2020

Fico 8 - 673

Fico 2 - 670

Fico Auto 2 - 642

Fico Auto 8 - 655

FICO BANKCARD SCORE 2 - 631

FICO SCORE 3 - 621

FICO BANKCARD SCORE 8 - 673

Re: 4 year average age of accounts AAoA data points

tooleman694 — Wed, 01 Jan 2020 09:21:28 GMT

A bit more data points, this is VS myFICO Score 3B Report 12/14/2019 and my 01/01/2020. I just pulled it to see the differences. I did not hit 4 year AAoA on TU and EQ.

2019

FICO 8

EQ 675 TU 647 EX 673

Mortgage Score

EQ 649 TU 657 EX 656

Auto 5 4 2

EQ 662 TU 644 EX 631

Auto 8

EQ 689 TU 631 EX 655

Auto 9

EQ 650 TU 647 EX 636

2020

FICO 8

EQ 680 TU 647 EX 673

Mortgage Score

EQ 649 TU 662 EX 670

Auto 5 4 2

EQ 662 TU 648 EX 642

Auto 8

EQ 695 TU 632 EX 655

Auto 9

EQ 652 TU 647 EX 636

Re: 4 year average age of accounts AAoA data points

Anonymous — Thu, 02 Jan 2020 06:59:46 GMT

Can you please provide your profile stats so your DPs will be useful? As it is, we cannot classify your profile.

(See the bottom of my siggy.)