AA due to aging metrics?

[OmarGB9]

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@FreedomHammer wrote:

I realize every profile is different, but I was under the assumption that starting from scratch, it took a minimum of seven or so years to reach 760, and 800+ was reserved for profiles 20 years or older. 

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But you wouldn't be starting from scratch. You'd still have a nearly 10 year AAoA. And as mentioned above by @Kforce, you don't need anywhere near 20 years of credit history to reach 800.

[Remedios]

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@FreedomHammer wrote:

I realize every profile is different, but I was under the assumption that starting from scratch, it took a minimum of seven or so years to reach 760, and 800+ was reserved for profiles 20 years or older. 

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No idea where you got that, 760 can be done with oldest  account being 13 months old.

When score generates on a clean profile, it's usually in 710-730 range. Plenty of threads for you to read and see for yourself.  

800 can be done with 3 years of one has a loan under 9% and no new cards in 13 months, there are threads about that too ..I think Poppa and Subexistence, threads are about 4 years old. I don't feel like searching but if you're concerned, you can 

[Remedios]

You might lose a few points but nothing to sweat. Nothing is going to happen to your cards for that reason.  

I am in 790s with lower AAoA, bunch of new accounts, and a new loan. 

You will be fine 

[FreedomHammer]

I was reading somewhere that Amex can slash NPSL if there is a material change in score, among other reasons.

 It's great to gain a better perspective regarding scores. 

Thanks everyone who contributed to my  post. 

[OmarGB9]

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@FreedomHammer wrote:

I was reading somewhere that Amex can slash NPSL if there is a material change in score, among other reasons.

 It's great to gain a better perspective regarding scores. 

Thanks everyone who contributed to my  post. 

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To be honest, any issuer can slash limits/close accounts at any time for any reason. Sometimes there's nothing you could've done to prevent it. IMO, it's not worth living in fear.

[Revelate]

I'm explictly 11 years AOOA and 7 years and a few months which sounds very much like where you will be after things fall off.

Scores in profile, and that's with a CFA on EQ still, and a 60D late on TU (which scores like a 30D with how old it is but I digress), above 780 on TU FICO 8 even with that.  Darned near cracked 800 on TU FICO 4 with that deliquency which is an absolute what the duck moment for me TBH.

You have nothing to worry about; it won't be score related if your limits get cut, but we're in a weird time macroeconomically so...

[FreedomHammer]

Is there any score benefit beyond 7y8m/90 months for AAoA?

Edit: edited to clarify AAoA vs AoOA

[Revelate]

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@FreedomHammer wrote:

Is there any score benefit beyond 7y8m/90 months for AAoA?

Edit: edited to clarify AAoA vs AoOA

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Possibly but like most things in the algorithm there are severe diminishing returns.  Some folks reach 850 without pretty installment utilization and something gets them there when I'm tapped out at 830ish when I get clean.

90 months is just the shortest to 850 that we got as a datapoint, nothing magic about it otherwise AFAIK.  I'm pretty sure if I had a 8% loan balance I'd have been at 850 previously and I only just hit 90 months AAOA Nov 1.   Actually I don't even think I got any score movement have to go look at some datapoints.

ETA: Yup, same EX F8 score 10/29 as Nov 1.  It's not a breakpoint for me, doesn't look like it on EX F2 either but I'll confirm that when the Zync reports back at $0.  Stupid AF haha.