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AAoA 1yr 6mo? All Mortgage Scores Up Due to Aging

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Valued Contributor

AAoA 1yr 6mo? All Mortgage Scores Up Due to Aging

All 3 mortgage scores went up +6 to +10. I'm pretty sure it's due to aging alone at AAoA 1yr 6mo.

All the current aging metrics are posted below.

 

I did not see these older model score gains when I first reached AAoA 1yr 6mo with 2 cards and no recent accounts under 1yr (AoYA/AoYRA 1yr 2mo).

 

(I've seen this TU 8 +7 jump before (Link) at the same AAoA 1yr 6mo, prior to adding 2 cards. This looks like a solid TU8 aging threshold for at least new credit files.)

 

 

 8 

AU8

BC8

MTG

AUT

BKC

 9 

AU9

BC9

 3 

EQ

+1

+1

+1

+8

+7

+9

0

0

0

 

TU

+7

+8

+8

+6

+6

+6

0

0

0

 

EX

0

0

0

+10

+10

+11

0

0

0

+9

AoOA

AAoA

AoYA

2yr 9mo

1yr 6mo

0yr 7mo

AoORA

AAoRA

AoYRA

1yr 9mo

1yr 2mo

0yr 7mo

 AGGREGATE % 

 AGGREGATE $ 

 TOTAL LIMIT 

4% (3.473) (-1%)

$1111 (-$125)

$32,000

 

 8 

AU8

BC8

MTG

AUT

BKC

 9 

AU9

BC9

 3 

VS3

INQ

EQ

760

736

757

739

745

751

750

763

764

 

758

0

TU

765

760

780

744

732

771

750

757

760

 

758

0

EX

742

730

748

733

710

738

747

755

756

719

756

2

 

Not much changed month to month: Same 3 out of 4 cards reporting a balance, with nothing above 9%.

Aggregate % and Total decreased slightly: 5% to 4%, $1236 to $1111 (never a carried balance).

Total Credit Limit went up +$3000 (2 SP CLIs).

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

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1 REPLY 1
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Super Contributor

Re: AAoA 1yr 6mo? All Mortgage Scores Up Due to Aging

Goes to show scorecard matters! Excellent DPs as always!
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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