This morning I noticed a mysterious 8 point increase in EX FICO 8. There was absolutely nothing positive going on in terms of utilization, new accounts, or other things.
The only thing I could think of was that this month marked the 30th anniversary of my oldest card. Could something like that have done it?
Update 8/3/17. On recalculation I realize that it wasn't the 30th anniversary, it was the 29th anniversary. So ... never mind.
@SouthJamaica wrote:This morning I noticed a mysterious 8 point increase in EX FICO 8. There was absolutely nothing positive going on in terms of utilization, new accounts, or other things.
The only thing I could think of was that this month marked the 30th anniversary of my oldest card. Could something like that have done it?
Now there is a positive ... you admitted you are "older" ... can't have a thirty year card and just graduate high school 
@SouthJamaica wrote:This morning I noticed a mysterious 8 point increase in EX FICO 8. There was absolutely nothing positive going on in terms of utilization, new accounts, or other things.
The only thing I could think of was that this month marked the 30th anniversary of my oldest card. Could something like that have done it?
WOW... your credit card is older than half the ppl on here trying to fix their credit j/k
from your siggy all those cards, and now a 30 year card, you have truly earned and deserve what you have. i can only hope to be just like that when i grow up... not that young just wasnt that bright in my earlier years. My oldest card would have been 18 this year, but thats another story
@Anonymous wrote:Interesting observation. "Age of Oldest Account" is certainly a scoring factor. Specifically it is one of the three scorecard assignment factors for clean profiles. I wonder whether EX switched you to a new scorecard? That surprises me since your Age of Youngest (another SA factor) is so small -- I would have guessed your AoY would preclude you from getting into the top scorecard.
Maybe EX FICO 8 used Age of Oldest as both an SA factor and as a factor that gives you points within the scorecard?
Remind us what your AoY is? Is it < 6 months?
Less than 6 months? It's almost always less than 6 weeks
@Thomas_Thumb wrote:
@SouthJamaica wrote:This morning I noticed a mysterious 8 point increase in EX FICO 8. There was absolutely nothing positive going on in terms of utilization, new accounts, or other things.
The only thing I could think of was that this month marked the 30th anniversary of my oldest card. Could something like that have done it?
Interesting piece of data. Without supporting data from other sources on the 30 year mark [unlikely to be available] my view is consider this a curiosity as opposed to an epiphany for an age of oldest scoring threshold.
I have a suspicion that data sets used for scoring are not always 100% time syncronized with the data in a summary report.
There's been nothing good for scoring in my accounts this past week. My utilization has been increasing, is now up to 3%, which is high for me.
@Anonymous wrote:Anything of note happening to your EX AAoA? Did cross over an integer value?
Nope
And I am assuming you have ruled out stuff like an inquiry falling off.
I have so many inquiries, especially with Experian, that those kind of events have no impact
One thing that might be part of the FICO 8 model is the percentage of your accounts that are "new."
I never heard of that one
If any of your existing accounts crossed over 1 year or 2 years in age, that may be of interest. (Obviously I am being highly speculative, but on the other hand the Age of Oldest conjecture is a priori doubtful enough to look for other conceivable explanations.)
Yeah I'll keep scratching around but nothing that could be considered a positive jumps out at me