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).
