topic Re: Datapoints in Understanding FICO® Scoring

Datapoints

SRT4kid93 — Sat, 30 May 2026 18:17:05 GMT

On 6/1 I'm going to be seeing a couple key changes to my reports.

1) my aoya will hit 1 year

2) my aaoa will hit 3 years

furthermore, because 1 of my bureaus has different information compared to the other 2, I'll be able to separate the 2 changes.

to explain more, on equifax my aoya will age up to 1 year, but my average age will not age up to 3 years.

while experian and TU will see my average age hit 3 years. Meaning I will be able to isolate the 2 changes. Since equifax will only see 1 change, while the other bureaus will see both changes.

I will report back with the numbers in a couple days,

have a great weekend everyone

Re: Datapoints

Thomas_Thumb — Sat, 30 May 2026 23:52:34 GMT

Inquiry aging goes by the anniversary date. My understanding is account aging changes on the 1st of each month. In that case a card issued 5/25 would show 1 month on 6/1 same as if the card was issued on 5/2.

Not sure how the AAoA calculation works with rounding and scoring. Will you be reaching 36 months on 6/1 or is average rounding up to 36 months?

Re: Datapoints

SRT4kid93 — Sun, 31 May 2026 03:27:06 GMT

As far as I know your understanding is spot on.

as of this second my average age of accounts is 2 years 11 months, with age of youngest being 11 months.

so, on the 1st, every one of my accounts will age up 1 month, which will easily push my account over the 3 year mark,

if I were to do the exact math it would look like this

right now - average age comes out to 35.33333 months

1st of month- 36.333333 months

Re: Datapoints

BrutalBodyShots — Sun, 31 May 2026 03:54:01 GMT

Is your youngest account a credit card? If so, you'll experience scorecard reassignment to No New Revolver when previously you were on a New Revolver scorecard.

Re: Datapoints

GreatLife — Sun, 31 May 2026 11:13:29 GMT

@BrutalBodyShots wrote:
Is your youngest account a credit card? If so, you'll experience scorecard reassignment to No New Revolver when previously you were on a New Revolver scorecard.

Thanks for the reminder on scorecard reassignments. Rarely mentioned in the forums - nor anywhere else that I'm aware of. I forgot about this factor and don't know much of anything about it. Would be helpful if this element was included more often in credit score related topics & discussions.

Re: Datapoints

SRT4kid93 — Sun, 31 May 2026 18:58:50 GMT

@BrutalBodyShots

Indeed it is, youngest card is my blue cash preferred at 11 months.

it's also very nice to be able to isolate the changes due to the varying info between bureaus. Equifax will see the "no new revolver" score increase, but won't see the increase from the average age of accounts since my oldest account isn't on equifax.

so equifax will only see the new revolve change while the others will see both

Re: Datapoints

SRT4kid93 — Mon, 01 Jun 2026 13:25:14 GMT

@GreatLife @BrutalBodyShots @Thomas_Thumb

Well the results are in, and I gained absolutely nothing.

I did gain 1 point on equifax but I think that may be unrelated since I didn't gain anything on the other 2. Utterly confused.

not only do people report seeing large jumps when their youngest account hits 12 months, but I also jumped over 3 years average age. So I was expected about a 30 point bump

Re: Datapoints

Thomas_Thumb — Mon, 01 Jun 2026 14:06:34 GMT

@SRT4kid93

Interesting. What is the actual anniversary date of your youngest credit card?

I don't use any credit monitoring products. Do they automatically pull new scores on the 1st of every month? I know some products only update if there is a trigger event. Normal account aging may not be a trigger.

I get new score notifications for my credit cards. Got one from WF this morning for a score update. However, the pull date was days ago.

P.S. Do you have any derogatories on file? The young account scorecard is specific to clean files.

Re: Datapoints

SRT4kid93 — Mon, 01 Jun 2026 14:39:47 GMT

@Thomas_Thumb

So I was aware that the new revolver score card was unique to clean profiles, but I still figured I would see some score bump between the new account and average age of accounts both hitting milestones.

Experian and trans have 1 account with a late payment so I believe I'm on a dirty scorecard. Equifax is completely clean. But still only saw a 1 pt bump

the today is the also the actual anniversary date for the card as well, I got it on 6/1/2025

on the bright side, on 6/7 I'll be eligible for a CLI on my BCP, 3x would be 54k, but I'm expecting to get stopped around 30-35. Pending IV

if I get stopped at 35 I'll be at approx 65,000 TCL. Meaning in the past 12 months I will have gone from 7,000 TCL to 65,000 without adding any new cards. So I'm very happy with that aspect. Even if my score isn't where I want it to be

Re: Datapoints

Thomas_Thumb — Mon, 01 Jun 2026 15:03:46 GMT

That will be a nice boost in TCL. Really not much need for scores over 740 for CC approvals and CLIs. The advantage of high scores above (780 or 800) is primarily to qualify for low APR loans.

BTW - What score monitoring product are you using? Do all CRA show score pull dates of 6/1?

Let us know if you see any significant near term score boost(s). Delayed impact?

Re: Datapoints

SRT4kid93 — Mon, 01 Jun 2026 14:53:22 GMT

My fico,

my 3 bureau monthly pull resets on the 21 of every month but they give you one month to utilize it. So mine reset on 5/21 and I had until 6/21 to use it.

I intentionally waited until 6/1 for this exact reason, so all 3 are brand new pulls from my fico

Re: Datapoints

Patient957 — Mon, 01 Jun 2026 15:25:18 GMT

@GreatLife wrote:
@BrutalBodyShots wrote:
Is your youngest account a credit card? If so, you'll experience scorecard reassignment to No New Revolver when previously you were on a New Revolver scorecard.
Thanks for the reminder on scorecard reassignments. Rarely mentioned in the forums - nor anywhere else that I'm aware of. I forgot about this factor and don't know much of anything about it. Would be helpful if this element was included more often in credit score related topics & discussions.

This scorecard reassignment is actually one of the Fico scoring variables we understand very well and have tons of data points on, because it's fairly simple and easily testable.

Many folks who decide to garden for a year a motivated by this very scorecard reassignment, because it's a very tangible "do this, get that" proposition, as it's worth ~20 points.

Also, we discuss this topic frequently on these boards. Do a search for AoYRA and you will find plenty of discussion.

Re: Datapoints

Patient957 — Mon, 01 Jun 2026 15:32:40 GMT

@Thomas_Thumb wrote:

P.S. Do you have any derogatories on file? The young account scorecard is specific to clean files.

This.

If you didn't get a score bump at AoYRA > 12 months, either:

1) You're calculating it wrong (hard to do, but possible);

2) Your score just hasn't updated yet;

3) Your scorecard isn't clean; or,

4) You angered the Fico gods in a past life and you're screwed.

Based on some of your past anomalies, I would take #4 very seriously. 😁

Re: Datapoints

Patient957 — Mon, 01 Jun 2026 15:39:56 GMT

@SRT4kid93 wrote:
My fico,

my 3 bureau monthly pull resets on the 21 of every month but they give you one month to utilize it. So mine reset on 5/21 and I had until 6/21 to use it.

I intentionally waited until 6/1 for this exact reason, so all 3 are brand new pulls from my fico

The date you pull a new report doesn't always coincide with the date your score updates. Usually, this is the date that matters:

And I want to say, I've even had this date update but my score not update for a couple more days.

I'd give it a few days before calling it final.

Re: Datapoints

SRT4kid93 — Mon, 01 Jun 2026 16:46:51 GMT

@Patient957

the date you showed in the screenshot does say 6/1 for all three bureaus, but I will wait a few more days just in case

I could see the dirty scorecard getting in the way of the score bump for my two dirty bureaus, but for my clean bureau, I should've seen a bump.

and that's not even considering the fact that I went over three years average age as well, which I'm pretty certain gives some points

again my score isn't where I want it to be, but my profile has grown very nicely my cards and my limits have grown and that's really the important thing. the score itself, is just a number