AAoA finally up to 2 years FICO 8 unchanged.

[Hex]

I’ve been waiting for my AAoA to hit 2 years because I thought I would get a score bump. Guess not. FICO 8’s unchanged. Only increase I saw was a 1 point increase on my Equifax mortgage score. Is this normal or is it because of BK on report? In December my oldest account will be 5 years so maybe that will help?

[Revelate]

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@Hex wrote:
I’ve been waiting for my AAoA to hit 2 years because I thought I would get a score bump. Guess not. FICO 8’s unchanged. Only increase I saw was a 1 point increase on my Equifax mortgage score. Is this normal or is it because of BK on report? In December my oldest account will be 5 years so maybe that will help?

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I didn't have access to FICO 8 when I went across the 2 year mark, actually what is now EQ FICO 5 (the mortgage score you reference) was the only one I had good data for and I concretely found a breakpoint there.  I was on a derogatory scorecard at the time and probably a similar one as to what you're on now.

That may well have shifted on FICO 8, Cassie has some solid data and I'm inclined to think it changed a lot from hers but it's going to take a while to nail down some longer breakpoints, even 2 years is a long time objectively when it comes to tracking scores.

[Anonymous]

I have brought my AAoA down from 2y2m on EX to 1y10m, one month at a time (because new accounts drop me one month), and had no score loss on any of the EX scores until I had my Citi card report >50% utilization but the loss there was very close to what I lost on TU and EQ which both have higher AAoA so it's pretty safe to say there wasn't an impact. 

I heard 1y9m is a breakpoint but I am solidly in the garden until my AAoA goes back over 2y so I won't be able to provide that DP.