30D and 60D late aging at one year

[Revelate]

Data dump, didn't do any hardcore analysis but a couple salient things:

AOYA < 1 year still

AAOA 4 years 10 months on one 4 years 9 months on another, and got nothing on Experian for getting to either of these breakpoints

No balance updates of any sort, no new inquiries between the two, files were as fixed as possible for as clean a datapoint as I could get.  

There were some reason code order shifts on the FICO 04 models which suggests it is indeed a line.  Lates were reported for 4/2018 scores were pulled 3/31.  Wasn't a very strong shift on any of them and the reason code for Recently Missed Payments is still prominent... that said it was a FICO score win albeit small on literally EVERY model I have access to through myFICO.

Reason code change = N/A if I didn't have reason codes for it (hate that whole 800+ = no reason code and only getting 2 reason codes on FICO 8).  The 1 in change means it improved a slot, namely went from 2 to 3 since bigger numbers are better.

There's a CFA on EQ and two inquiries within a year which are likely the reasons for EQ FICO 5 being markedly lower than TU FICO 4.  

30D on EQ

60D on TU

EQ 4/18 30D	3/31/19	4/2/19	Change		Recent Late	3/31/19	4/2/19	RC Change
FICO 8	753	760	7		FICO 8	N/A	N/A	N/A
FICO 8 AU	759	767	8		FICO 8 AU	3	3	0
FICO 8 BC	771	778	7		FICO 8 BC	3	3	0
FICO 5	715	726	11		FICO 5	1	2	1
FICO 5 AU	717	727	10		FICO 5 AU	2	3	1
FICO 5 BC	726	736	10		FICO 5 BC	1	2	1
FICO 9	789	801	12		FICO 9	3	N/A	N/A
FICO 9 AU	791	804	13		FICO 9 AU	3	3	0
FICO 9 BC	800	812	12		FICO 9 BC	3	3	0
TU 4/18 60D	3/31/19	4/2/19	Change		Recent Late	3/31/19	4/2/19	RC Change
FICO 8	747	749	2		FICO 8	N/A	N/A	N/A
FICO 8 AU	769	771	2		FICO 8 AU	3	3	0
FICO 8 BC	761	765	4		FICO 8 BC	2	2	0
FICO 4	740	747	7		FICO 4	2	3	1
FICO 4 AU	754	761	7		FICO 4 AU	2	3	1
FICO 4 BC	748	759	11		FICO 4 BC	4	4	0
FICO 9	772	780	8		FICO 9	2	2	0
FICO 9 AU	779	786	7		FICO 9 AU	2	2	0
FICO 9 BC	763	770	7		FICO 9 BC	2	2	0