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12 mo AoYA awards-clean/aged/thick

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Super Contributor

12 mo AoYA awards-clean/aged/thick

Absolutely no changes other than aging between the 31st and the 1st. Therefore, here are the 12 month AoYA awards for my profile:

 

EQ

TU

EX

FICO 8

0

+7

+12

FICO 542

0

0

0

FICO AU542

0

0

0

FICO AU8

0

+8

+13

FICO AU9

0

-8

-13

FICO BC8

0

+8

+13

FICO BC542

0

+8

+11

FICO BC3

-

-

0

FICO BC9

0

-8

-11

FICO 9

0

-8

-12



100% payment history, under 1% utilization (aggregate and individual), 1/1x, no currently open loan, but closed loans on CR, 5 to 7 years AAoA, 25+ yr. AooA, 12 mo. AoYA, (4, 3, 4)inq. (Although MF shows 4-2-3.)

Thanks to @CassieCard for assistance with the table!! Smiley Happy
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
21 REPLIES 21
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Established Contributor

Re: 12 mo AoYA awards-clean/aged/thick

Interesting Birdman7,  we must have been typing at the same time.  Good data provided as I'm looking for this type of information now that I've reach an AoYA of 12 months today.  Thanks.

FICO - 8: 08/09/20 AU 8 BC 8
FICO - 9: 08/09/20 AU 9 BC 9
F5,F4,F2 08/09/20 AU... BC...
Vantage 08/05/20
AoOA - 24Y5M | AoYA – 0Y11M | AAoA – 12Y1M (EQ), 12Y0M (EX & TU)
Open: 10 CC: 1 reporting 1.90% - 0.50% AGG UTL | 1 PLOC | 1 MTG loan: 78.15% UTL | 1 Auto loan: 3.59% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/12 & 2/24
Message 2 of 22
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Valued Contributor

Re: 12 mo AoYA awards-clean/aged/thick


@Birdman7 wrote:
Absolutely no changes other than aging between the 31st and the 1st. Therefore, here are the 12 month AoYA awards for my profile:

EQ. TU. EX.
FICO 8. 0. +7. +12
5-4-2. 0. 0. 0.
AU 5-4-2. 0. 0. 0.
AU8. 0. +8. +13.
AU9. 0. -8. -13.
BC8. 0. +8. +11.
BC3. 0.
BC9. 0. -8. -11.
9. 0. -8. -12.

Nice AoYA data points!

 

You lose points on the FICO 9 models? What's that about?

Message 3 of 22
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Super Contributor

Re: 12 mo AoYA awards-clean/aged/thick

Sounds about right to me.  Nice job going a year without any new accounts!

Message 4 of 22
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Super Contributor

Re: 12 mo AoYA awards-clean/aged/thick

@CassieCard I was wondering the exact same thing, but I don’t have an answer. maybe someone can weigh in.

BBS Yes it was very difficult and I have a few more days to wait for five inquiries to drop off, split 2/3 EQ/EX. 😁

But I’m really surprised I didn’t get more and surprised I didn’t get any at Equifax! What’s up with that?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 5 of 22
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Super Contributor

Re: 12 mo AoYA awards-clean/aged/thick

Quick update: I goofed writing my list. I left out BC8, so I just added it. It was originally labeled BC8 but was BC5-4-2. Everything is correct now.

It is interesting that BC is the only 542 that changed.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 6 of 22
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Super Contributor

Re: 12 mo AoYA awards-clean/aged/thick


@Birdman7 wrote:
@CassieCard I was wondering the exact same thing, but I don’t have an answer. maybe someone can weigh in.

BBS Yes it was very difficult and I have a few more days to wait for five inquiries to drop off, split 2/3 EQ/EX. 😁

But I’m really surprised I didn’t get more and surprised I didn’t get any at Equifax! What’s up with that?

And sorry about the formatting everybody I’m on mobile. Speaking of which I have to update my score board

Yeah I can weigh in. There must have been some other change between the 2 full reports.

 

(You went to the expense of pulling 2 full 3-B reports in 2 days?)


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 721 TU 744 EX 729

Message 7 of 22
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Super Contributor

Re: 12 mo AoYA awards-clean/aged/thick

SouthJamaica, yes I did and there were no other changes. I used one that came with my subscription and I paid the other one. I’m serious about this hobby, and I blame it on all you knowledgeable and experienced members that have taught me so much, LOL. 😉

Believe me, I’m not throwing away money without tightly controlling variables and paying very close attention. No 2 cards report on the same day, and I don’t even use cards that report anywhere near each other. I keep everything very discrete. I only use a couple of the cards I have anyway.

Yeah I may mistype something every now and then (being on mobile doesn’t help) or miss something when I’m tired, but I come back and correct it if I do, because I’m OCD and check my stuff 20 times. I can assure you there were no other changes.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 8 of 22
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Super Contributor

Re: 12 mo AoYA awards-clean/aged/thick

South Jamaica, I’ve been waiting a year for this, you’re darn right I was happy to spend the money to pull it the day before and the day of. I’ve waited a year for this...do you know how hard that was? When’s the last time you made a year? LOL.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 9 of 22
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Super Contributor

Re: 12 mo AoYA awards-clean/aged/thick

I was actually scared U.S. Bank was going to report but they did not. I was really worried about that because I wanted a clean data point with no conflation. And I’m happy to report that it is a perfectly clean data point.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

RIP:







Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 10 of 22
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