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6-7 points for hitting 6 months AoYA

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SouthJamaica
Mega Contributor

6-7 points for hitting 6 months AoYA

I started this thread thinking that I had gotten a 6 point boost on EX and TU because my AAoA had hit 7 years. But when my EQ added 7 points, I had to question that, because the AAoA on that bureau is still short of 7 years.

 

Then @GZG suggested that perhaps it was my age of youngest account that caused it, and that certainly seems right, because all 3 bureaus just hit 6 months AoYA.

 

So I think the real conclusion to be drawn is that 6 months age of youngest account is a modest threshold.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




10 REPLIES 10
Rebuild2019
Valued Contributor

Re: 6 points for graduating to 7 years AAoA?

Congrats @SouthJamaica 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

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Message 2 of 11
FireMedic1
Community Leader
Mega Contributor

Re: 6 points for graduating to 7 years AAoA?

Congrats dude. Great DP's!



BK Free Aug25
Message 3 of 11
SouthJamaica
Mega Contributor

Re: 6 points for graduating to 7 years AAoA?

My EQ just went up 7 points. So maybe it was something else.

 

Man, this can get confusing.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 4 of 11
GZG
Senior Contributor

Re: 6 points for graduating to 7 years AAoA?


@SouthJamaica wrote:

My EQ just went up 7 points. So maybe it was something else.

 

Man, this can get confusing.


age of something else perhaps, youngest account points maybe?

Starting FICO 8:
Current FICO 8:



Message 5 of 11
SouthJamaica
Mega Contributor

Re: 6 points for graduating to 7 years AAoA?


@GZG wrote:

@SouthJamaica wrote:

My EQ just went up 7 points. So maybe it was something else.

 

Man, this can get confusing.


age of something else perhaps, youngest account points maybe?


You're a genius @GZG   I think you just hit the nail on the head!  All 3 bureaus just went to 6 months AoYA (age of youngest account).  I'm going to have to correct the title.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 6 of 11
GZG
Senior Contributor

Re: 6 points for graduating to 7 years AAoA?


@SouthJamaica wrote:

@GZG wrote:

@SouthJamaica wrote:

My EQ just went up 7 points. So maybe it was something else.

 

Man, this can get confusing.


age of something else perhaps, youngest account points maybe?


You're a genius @GZG   I think you just hit the nail on the head!  All 3 bureaus just went to 6 months AoYA age of youngest account.  I'm going to have to correct the title.


had no idea 6 months was even a milestone, thought there was one at 3 and definitely at 12, but no idea between those months ha

Starting FICO 8:
Current FICO 8:



Message 7 of 11
SouthJamaica
Mega Contributor

Re: 6 points for graduating to 7 years AAoA?


@GZG wrote:

@SouthJamaica wrote:

@GZG wrote:

@SouthJamaica wrote:

My EQ just went up 7 points. So maybe it was something else.

 

Man, this can get confusing.


age of something else perhaps, youngest account points maybe?


You're a genius @GZG   I think you just hit the nail on the head!  All 3 bureaus just went to 6 months AoYA age of youngest account.  I'm going to have to correct the title.


had no idea 6 months was even a milestone, thought there was one at 3 and definitely at 12, but no idea between those months ha


Yeah, 12 months gets me 26 points on EX.

 

And now it seems likely to me that 6 months gets me 6 Smiley Happy


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 8 of 11
Zoostation1
Valued Contributor

Re: 6 points for graduating to 7 years AAoA?

Great DP! I'll be watching this when mine gets to 6 months and again at 12 months.

Rebuild Started Nov 2021
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Message 9 of 11
SouthJamaica
Mega Contributor

Re: 6 points for graduating to 7 years AAoA?


@Zoostation1 wrote:

Great DP! I'll be watching this when mine gets to 6 months and again at 12 months.


It was a very difficult challenge for me to get to 12 months. After joining this forum, it became impossible for me to wait 12 months to apply for something.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 10 of 11
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