That 15% would include AAoA with length of history, and FICO looks at the overall length, longest, installment, longest revolving, etc.
Yes, the buckets play heavily into that. That's why some can see an increase to an AAoA of X years, and others cannot. And the report content plays into it too. If length of history/AAoA is listed in the #1 slot as a negative, then you stand to see bigger gains. If not listed, lesser gains. In other words, the 82.5 is not fixed and is variable.
