AAoA thresholds

[cr101]

I saw an older post that indicated that there might be some type of threshold for AAoA. Any info on this?

Please also let me know if lost/stolen cards (that have been closed) are included in that calculation.

[Anonymous]

---

@cr101 wrote:

I saw an older post that indicated that there might be some type of threshold for AAoA. Any info on this?

Please also let me know if lost/stolen cards (that have been closed) are included in that calculation.

---

This is what we have come up with so far, as of October 2020:

Birdman7: "So it appears 12 months, 18 months, 48 months, 60 months, 66 months, 72 months, 78 months, 84 months, and 90 months. (And I’m sure there are more in between 18 and 48.) Edit: also unconfirmed reports at 24 months, 30 months, and 54 months."

(Link to thread discussing this.)

• 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, my report here)
• 18 months / 1yr 6mo (Confirmed twice by me, really good on all mortgage scores, LINK )
• 24 months / 2yr 0mo (Unconfirmed)
• 30 months / 2yr 6mo (Unconfirmed)
• 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear, LINK )
• 54 months / 4yr 6mo (Unconfirmed)
• 60 months / 5yr 0mo
• 66 months / 5yr 6mo
• 72 months / 6yr 0mo
• 78 months / 6yr 6mo (Confirmed by BrutalBodyShots)
• 84 months / 7yr 0mo (Confirmed by K-in-Boston, LINK )
• 90 months / 7yr 6mo

Lost/Stolen accounts can be included in AAoA.

Closed accounts are included in AAoA.

[Anonymous]

---

@cr101 wrote:

I saw an older post that indicated that there might be some type of threshold for AAoA. Any info on this?

Please also let me know if lost/stolen cards (that have been closed) are included in that calculation.

---

Is AAoA still a thing for dirty scorecards? SO hit 7 year AAoA and I am willing to look up any scoring changes if it is, but if it doesn't affect dirty scorecards, no sense in all the leg work of looking and typing lol

[cr101]

---

@Anonymous wrote:

---

@cr101 wrote:

I saw an older post that indicated that there might be some type of threshold for AAoA. Any info on this?

Please also let me know if lost/stolen cards (that have been closed) are included in that calculation.

---

Is AAoA still a thing for dirty scorecards? SO hit 7 year AAoA and I am willing to look up any scoring changes if it is, but if it doesn't affect dirty scorecards, no sense in all the leg work of looking and typing lol

---

You're asking the wronnng person. LOL. I know that my AAoA has changed based on my EX report. I'm just not sure how it affects me. 

@Anonymous I'm assuming that if your AAoA goes under a threshold, you lose points. Is that how it works?

[Anonymous]

---

@Anonymous wrote:

---

---

Is AAoA still a thing for dirty scorecards? SO hit 7 year AAoA and I am willing to look up any scoring changes if it is, but if it doesn't affect dirty scorecards, no sense in all the leg work of looking and typing lol

---

You should check it! It just might be the same for dirty scorecards. ( @Anonymous : Seen anything to refute that? )

But there are also various reason statements for all 3 bureau FICO 8 scores that have this explanation:

"Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO® Score."

What we might think is an AAoA threshold on a dirty scorecard could also be related to that recency remark.

[Anonymous]

---

@cr101 wrote:

---

@Anonymous I'm assuming that if your AAoA goes under a threshold, you lose points. Is that how it works?

---

Yes, that's it.

Once you hit one of those AAoA thresholds on the 1st of the month, you'll see some score gains.

Sometimes something that would cause a score loss is offset by that sort of aging gain on the 1st, leading to posts like "My aggregate util went up from 9 to 20% and so did my scores!".

(Scores went down due to util and aging offset the loss leading to a net gain.)

[Anonymous]

---

@Anonymous wrote:

---

@cr101 wrote:

I saw an older post that indicated that there might be some type of threshold for AAoA. Any info on this?

Please also let me know if lost/stolen cards (that have been closed) are included in that calculation.

---

Is AAoA still a thing for dirty scorecards? SO hit 7 year AAoA and I am willing to look up any scoring changes if it is, but if it doesn't affect dirty scorecards, no sense in all the leg work of looking and typing lol

---

@Anonymous yes length of history factors in dirty cards however it is weighted much less than clean cards.

@Anonymous so your point change would just be less than if you were in a clean card. 

[Anonymous]

I'm curious when I will no longer be new to credit with an AAoA of 5.5 years. lol 

I understand that each time you app it shortens it a bit, and most of my file is newly aquired withing the last 5 years. I do have older accounts that have since been closed. Just wondering how much longer this wait will be, 8, 10 years?

[Anonymous]

---

@Anonymous wrote:

I'm curious when I will no longer be new to credit with an AAoA of 5.5 years. lol 

I understand that each time you app it shortens it a bit, and most of my file is newly aquired withing the last 5 years. I do have older accounts that have since been closed. Just wondering how much longer this wait will be, 8, 10 years?

---

@Anonymous that depends on the version, for the mortgage scores, you were no longer new to credit at two years AoOA, and for version 8 and 9, you were no longer new to credit at two years AoOA. Whether or not you are a young or mature file depends on crossing that one AoOA threshold that reassigns scorecards. 

AAoA on the other hand, has nothing to do with whether you are new to credit. AAoA is a scoring factor that adds points as your average account age increases. The corresponding negative reason code is triggered by either AoOA being below its threshold or AAoA being less than its maximum threshold, or both being under.

Similarly, AoORA and AAoRA are also scoring factors that award points as your oldest revolver or average age of revolvers increase. Those thresholds are not well known, but again the code is triggered if either are below the maximum threshold.

[cr101]

---

@Anonymous wrote:

I'm curious when I will no longer be new to credit with an AAoA of 5.5 years. lol 

I understand that each time you app it shortens it a bit, and most of my file is newly aquired withing the last 5 years. I do have older accounts that have since been closed. Just wondering how much longer this wait will be, 8, 10 years?

---

Okay, this is kind of depressing and a bit of a reality check for me. I'm not worrying myself for 8-10 yrs just so that the AAoA increases to a level that I'm no longer considered too "new". There's nothing that I can do to beat the math, aside from being added as an AU for an older card.

The AAoA that was used to acquire my last 3 cards was 3.75 yrs, and those were my 3 highest SL. I only got 1 SL that high before when my AAoA was over 6yrs. So, a "low" AAoA doesn't appear to stop creditors from issuing new credit. I am curious, though, what we're missing out on by not having a higher AAoA. Higher limits? Lower APRs? Or is it just used to calculate the score?