AAoA

[Anonymous]

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@SouthJamaica wrote:

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I was under the impression that 3 yrs 6 mos is a threshold.

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I sort of was too, which is why I asked the OP if he saw any gains at 42 months.  Hopefully he'll report back, as I'm curious.

[Anonymous]

BBS My recent testing indicates '98 and '04 algorithms don't award AoYA awards at 12 months, on my profile, anyway. So I was wondering if you received any points at 24 months.

Back to the drawing board!

[CreditSage]

My credit profile has been fluctating too much from utilization to be able to track if that threshold caused a gain - sorry I couldn't provide a better data point. 

[HeavenOhio]

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@CreditSage wrote:

My average age of accounts in 3 years 6 months. Is there a threshold (say 4 years) that once I pass my score will jump up? 

My most recent new card is 1 year four months. Is there a threshold (say 18 months) that once I pass my score will jump up?

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It took me a long time to notice, but I seem to get FICO 8 AAoA bumps every six months. Some of my other scores don't budge when these thresholds are crossed.

My Transunion 04 (FICO 4) Auto jumped by 15 points recently, likely due to AAoA. I'd say that's pretty unusual, though, and certainly impossible to predict.

[CreditSage]

Are all tradelines included in AAoA (including for instance, car loans)?

[Anonymous]

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@CreditSage wrote:

Are all tradelines included in AAoA (including for instance, car loans)?

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Yes, each counts exactly the same as any other.

[Medic981]

I was researching AAoA and found this tidbit on credit.com. 

It just confused me even further.

[Anonymous]

That's a BS chart above.  I'd be closer to "fair" than "excellent" if we went by that.

Also, those factors point to the age of credit history sector of the Fico pie, which is estimated to constitute 15% of one's Fico score.  That's not the slice of the Fico pie that we should be looking at when talking a 100-150 point span between two scores when trying to evaluate "fair" verses "excellent" credit when Payment History and Amounts Owed combined are good for nearly 5X what age of credit history makes up. 

[Anonymous]

Yeah, I call BS on that chart too.