@Anonymous wrote:I'm not sure about the zero years old, but I do know that I saw a noticeable score bump when the four cards that I apped for at the same time hit their one year anniversary. I would expect you to see a boost, as well.
ETA: I've done a little reading and it seems that FICO doesn't round up, your AAoA would be calculated as zero years. So you should hit the one year mark soon and see a boost as a result.
The AAoA minimum is 1 year in the FICO algorithm.
I think all tradelines are actually added in terms of months, then averaged by number of tradelines: that number is rounded down to the nearest year for FICO's calculation, with a result of <1 year being set explicitly at 1 year for the calculation.
Won't be a bump at the one year mark for AAoA, will get a bump potentially from inquiries dropping out of the scoring range, and there may be a seasoning boundary at the one year mark for tradelines. I am sorta marking time with interest for when my AAoA turns two though 
.
@Kratos-TM wrote:
@Anonymous wrote:I'm not sure about the zero years old, but I do know that I saw a noticeable score bump when the four cards that I apped for at the same time hit their one year anniversary. I would expect you to see a boost, as well.
ETA: I've done a little reading and it seems that FICO doesn't round up, your AAoA would be calculated as zero years. So you should hit the one year mark soon and see a boost as a result.
If so, that would be great. Right now my Experian is sitting at 4 years 9 months AAoA. The way I figure it is next month I might be more than 4 years 10 months because my new accounts are giving me zero years right now. I'm wondering if my AAoA might jump.......let's say from 4 year/10 months to 5 years.
If I'm making sense....
Qualified maybe: AAoA loses a lot of resolution once you get beyond call it 4+ years. We don't know where all the breakpoints are unfortunately, but for example going from 1 to 2 years is universally held to be a larger gain than 11 to 12 years: there's diminishing returns all over the FICO algorithm, and it would make sense that this is true in this case too.
@Revelate wrote:
@Kratos-TM wrote:
@Anonymous wrote:I'm not sure about the zero years old, but I do know that I saw a noticeable score bump when the four cards that I apped for at the same time hit their one year anniversary. I would expect you to see a boost, as well.
ETA: I've done a little reading and it seems that FICO doesn't round up, your AAoA would be calculated as zero years. So you should hit the one year mark soon and see a boost as a result.
If so, that would be great. Right now my Experian is sitting at 4 years 9 months AAoA. The way I figure it is next month I might be more than 4 years 10 months because my new accounts are giving me zero years right now. I'm wondering if my AAoA might jump.......let's say from 4 year/10 months to 5 years.
If I'm making sense....
Qualified maybe: AAoA loses a lot of resolution once you get beyond call it 4+ years. We don't know where all the breakpoints are unfortunately, but for example going from 1 to 2 years is universally held to be a larger gain than 11 to 12 years: there's diminishing returns all over the FICO algorithm, and it would make sense that this is true in this case too.
I wish we did know the breaking points. By my guessing, I think Experian likes 5 years to not be in the "low" AAoA category.
I had everything timed perfectly for my next app. In December I'm buying a major purchase, and I had it timed that my Experian would be at 5 years at that point. But one of my cardholders decided to sell to another company which means that I am getting another account on my report soon. This account will only be a year old, so it may set me back in my AAoA goals of reaching 5 years by December. 
I guess I started this thread hoping there was some chance I could counter that set-back.....
@Kratos-TM wrote:
@Revelate wrote:
@Kratos-TM wrote:
@Anonymous wrote:I'm not sure about the zero years old, but I do know that I saw a noticeable score bump when the four cards that I apped for at the same time hit their one year anniversary. I would expect you to see a boost, as well.
ETA: I've done a little reading and it seems that FICO doesn't round up, your AAoA would be calculated as zero years. So you should hit the one year mark soon and see a boost as a result.
If so, that would be great. Right now my Experian is sitting at 4 years 9 months AAoA. The way I figure it is next month I might be more than 4 years 10 months because my new accounts are giving me zero years right now. I'm wondering if my AAoA might jump.......let's say from 4 year/10 months to 5 years.
If I'm making sense....
Qualified maybe: AAoA loses a lot of resolution once you get beyond call it 4+ years. We don't know where all the breakpoints are unfortunately, but for example going from 1 to 2 years is universally held to be a larger gain than 11 to 12 years: there's diminishing returns all over the FICO algorithm, and it would make sense that this is true in this case too.
I wish we did know the breaking points. By my guessing, I think Experian likes 5 years to not be in the "low" AAoA category.
I had everything timed perfectly for my next app. In December I'm buying a major purchase, and I had it timed that my Experian would be at 5 years at that point. But one of my cardholders decided to sell to another company which means that I am getting another account on my report soon. This account will only be a year old, so it may set me back in my AAoA goals of reaching 5 years by December.
I guess I started this thread hoping there was some chance I could counter that set-back.....
It's irrelevant with the scores in your signature: 760 is the max for any product out there and often it's 740. I wouldn't worry about it, it won't make a difference in your rate as credit wise you're among the gold-plated elite.
@Revelate wrote:It's irrelevant with the scores in your signature: 760 is the max for any product out there and often it's 740. I wouldn't worry about it, it won't make a difference in your rate as credit wise you're among the gold-plated elite.
You're right about the 760 thing. I just had this crazy goal to get one of my 3 scores to 800 by December. Been working on this goal for a year. Paid off 5 loans, 5 maxed out CC's, and gained big CLI's. Score jumped from 715 to 784. I'm gonna grab some more points next month when my 4 new accounts and inquiries hit one year. And my Experian hitting 5 years was supposed to be what tipped me over......LOL. Boy did I come close.......haha. 
Who knows though........lenders don't pull TU98, so there's a chance I might can hit it with the TU04 score when I purchase....