AAoA 3 yrs 6 mos --> +4 on EX FICO 2

[Thomas_Thumb]

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@SummerOf17 wrote:

I just went from 3.6 to 3 with one account recently opened on AAoA. Moving 5.5K via BT to a new account, parking it temporarily at 55% UTI for the account itself and <9% UTI overall.  Went up 32 avg, then 27 avg point drop across the board once acc reported.

Clean File. Slightly less than 7Y on oldest reported credit line.

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If your age of youngest account had been over 12 months age, a new account reporting often results in a 15 to 20 point drop on Fico 8 by itself. That leaves 7 to 12 points associated with changes in other factors.

Your sequence of events is a bit unclear.

1) What was your AoYA, AAoA highest card utilization and aggregate utilization prior to the 32 point increase?

2) What were the above after the 32 point increase but before the 27 point decrease?

3) What were the above after the 27 point decrease?

Was there a delay where the $5.5k BT was removed from one account resulting in a temporary lowering of aggregate utilization and subsequent increase when it showed in the new account?