topic 6-7 points for hitting 6 months AoYA in Understanding FICO® Scoring

6-7 points for hitting 6 months AoYA

SouthJamaica — Sat, 04 Nov 2023 04:22:13 GMT

I started this thread thinking that I had gotten a 6 point boost on EX and TU because my AAoA had hit 7 years. But when my EQ added 7 points, I had to question that, because the AAoA on that bureau is still short of 7 years.

Then @GZG suggested that perhaps it was my age of youngest account that caused it, and that certainly seems right, because all 3 bureaus just hit 6 months AoYA.

So I think the real conclusion to be drawn is that 6 months age of youngest account is a modest threshold.

Re: 6 points for graduating to 7 years AAoA?

Rebuild2019 — Fri, 03 Nov 2023 20:43:55 GMT

Congrats @SouthJamaica

Re: 6 points for graduating to 7 years AAoA?

FireMedic1 — Fri, 03 Nov 2023 21:22:38 GMT

Congrats dude. Great DP's!

Re: 6 points for graduating to 7 years AAoA?

SouthJamaica — Sat, 04 Nov 2023 04:04:37 GMT

My EQ just went up 7 points. So maybe it was something else.

Man, this can get confusing.

Re: 6 points for graduating to 7 years AAoA?

GZG — Sat, 04 Nov 2023 04:07:51 GMT

@SouthJamaica wrote:
My EQ just went up 7 points. So maybe it was something else.

Man, this can get confusing.

age of something else perhaps, youngest account points maybe?

Re: 6 points for graduating to 7 years AAoA?

SouthJamaica — Sat, 04 Nov 2023 04:23:40 GMT

@GZG wrote:
@SouthJamaica wrote:
My EQ just went up 7 points. So maybe it was something else.

Man, this can get confusing.
age of something else perhaps, youngest account points maybe?

You're a genius @GZG I think you just hit the nail on the head! All 3 bureaus just went to 6 months AoYA (age of youngest account). I'm going to have to correct the title.

Re: 6 points for graduating to 7 years AAoA?

GZG — Sat, 04 Nov 2023 04:22:40 GMT

@SouthJamaica wrote:
@GZG wrote:
@SouthJamaica wrote:
My EQ just went up 7 points. So maybe it was something else.

Man, this can get confusing.
age of something else perhaps, youngest account points maybe?
You're a genius @GZG I think you just hit the nail on the head! All 3 bureaus just went to 6 months AoYA age of youngest account. I'm going to have to correct the title.

had no idea 6 months was even a milestone, thought there was one at 3 and definitely at 12, but no idea between those months ha

Re: 6 points for graduating to 7 years AAoA?

SouthJamaica — Sat, 04 Nov 2023 04:25:10 GMT

@GZG wrote:
@SouthJamaica wrote:
@GZG wrote:
@SouthJamaica wrote:
My EQ just went up 7 points. So maybe it was something else.

Man, this can get confusing.
age of something else perhaps, youngest account points maybe?
You're a genius @GZG I think you just hit the nail on the head! All 3 bureaus just went to 6 months AoYA age of youngest account. I'm going to have to correct the title.
had no idea 6 months was even a milestone, thought there was one at 3 and definitely at 12, but no idea between those months ha

Yeah, 12 months gets me 26 points on EX.

And now it seems likely to me that 6 months gets me 6

Re: 6 points for graduating to 7 years AAoA?

Zoostation1 — Sat, 04 Nov 2023 19:35:18 GMT

Great DP! I'll be watching this when mine gets to 6 months and again at 12 months.

Re: 6 points for graduating to 7 years AAoA?

SouthJamaica — Mon, 06 Nov 2023 19:58:41 GMT

@Zoostation1 wrote:
Great DP! I'll be watching this when mine gets to 6 months and again at 12 months.

It was a very difficult challenge for me to get to 12 months. After joining this forum, it became impossible for me to wait 12 months to apply for something.

Re: 6 points for graduating to 7 years AAoA?

Zoostation1 — Wed, 08 Nov 2023 03:27:49 GMT

I haven't made it to 12 months without an app since starting my rebuild 2yrs ago (3-4months before I joined the forum here). In a few days I'll be at 4 months, but 7 months has been my longest stretch between new apps to date.