AU experiment & score drops from small balance to $0 balance

[omgitsMatt]

If an account was opened in November, it'd be 1 month old in December right? Or 2 mos?

Back on topic,

One important thing to note while reading the data I post below is that I couldn't perfectly isolate everything this time, there's two variables that changed from one pull (12/7) to the next pull (12/9). It was impossible to isolate entirely this time unfortunately. We know the exact two variables and that there was nothing else at least.

1.) The Cap1 account went from $10 to $0, giving me no revolving usage across all accounts

2.) The Cap1 one also went from $500 available credit to $600.

I don't think this change in particular should sully the results though, hopefully. You'd know more about that than me, let us know what you think?

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@Anonymous wrote:
I’m excited. I hope it works out I would really like to know!

I wish @iv had came back and told us more.

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Here's where it get's interesting B'!

I pulled everything on the 7th, the moment Cap1 notified me my statement was available. Was able to get scores just before the new $0 balance posted. I pulled them again this morning across all three, doing my best to make sure I get everything as isolated as possible. Nothing changed on Equifax or Transunion yet, but we got Experian data points now.

I added two new accounts from OP and updated the age of the others for December.

AAoA/AoYA/AoOA/HPs and a few other things have changed from when we started this 11/11.

Experian on 12/7

Accounts:

NFCU CLOC - $0/$500 - 1 month
Discover it CC - $0/$1000 - 1 month
NFCU Secured nRewards CC - $0/$200 - 7 mos
CSE FCU Auto Loan - $16,185/$18,047 - 9 mos
CSE FCU Platinum Rewards CC - $0/$15,000 - 9 mos
NFCU Shared Pledge Loan - $239/$3,001 - 9 mos
Capital One Platinum CC (PC'd to Quicksilver) - $10/$500 - 1 yr, 2 month
(AU) KeyBank Key2More Rewards CC - $0/$7,500 - 6 yrs, 7 mos

AAoA/AoYA/AoOA/HPs:

AAoA - 7 mos
AoYA - 1 month
AoOA - 1yr, 2 month
HPs - 6

Experian on 12/9

NFCU CLOC - $0/$500 - 1 month
Discover CC - $0/$1000 - 1 month
NFCU Secured nRewards CC - $0/$200 - 7 mos
CSE FCU Auto Loan - $16,185/$18,047 - 9 mos
CSE FCU Platinum Rewards CC - $0/$15,000 - 9 mos
NFCU Shared Pledge Loan - $239/$3,001 - 9 mos
Capital One Platinum CC (PC'd to Quicksilver) - $0/$600 - 1 yr, 2 month
(AU) KeyBank Key2More Rewards CC - $0/$7,500 - 6 yrs, 7 mos

AAoA/AoYA/AoOA/HPs:

AAoA - 7 mos
AoYA - 1 month
AoOA - 1yr, 2 month
HPs - 6

Experian Score Changes 12/7 then 12/9

Fico Score 2 - 724 to 713 (-11)
Fico Bankcard Score 2 - 711 to 696 (-15)
Fico Auto Score 2 - 728 to 706 (-22)

Fico Score 3 - 706 to 711 (+5)

Fico Score 8 - 749 to 735 (-14)
Fico Bankcard Score 8 - 764 to 749 (-15)
Fico Auto Score 8 - 744 to 721 (-23)

Fico Score 9 - 763 to 746 (-17)
Fico Bankcard Score 9 - 772 to 755 (-17)
Fico Auto Score 9 - 771 to 751 (-20)

[Anonymous]

Opened in Nov, = 1 month old in Dec.

CLI didn't hurt anything.

Wait a minute, so you already had the no revolving AU penalty, and it appears you just got another? Am I understanding correctly?

[omgitsMatt]

We're waiting on Transunion and Equifax next.

I want to make sure to grab Transunion esp. because we saw that it was counting the AU, where the Equifax wasn't. I still want the Equifax for posterity.

The difficulty is there's a lot of looming changes coming. Balances will post and stay, some new accounts and AAoAs will probably drop below 6 months along with other things.

Hopefully it works out and we can get TU at least. I think it will.

[omgitsMatt]

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@Anonymous wrote:
Opened in Nov, = 1 month old in Dec.

CLI didn't hurt anything.

Wait a minute, so you already had the no revolving AU penalty, and it appears you just got another? Am I understanding correctly?

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You got it. Exactly.

[Anonymous]

Wow! well, I'm glad you were able to resolve that! EQ will have the regular penalty, while EX and TU double-penalize. Wow!

Now the remaining question is whether there is a benefit from adding the AU, aside from ages.

[Anonymous]

Wow, that could really screw someone up bad if they were unaware and received the double-penalty.

BTW, great job! Well-done! You are an asset!

[Anonymous]

Oh, you're worried about the ding from AoYA and AAoA, but your double-penalty reversed will offset most of that probably!

Wonder what your AoYA penalty will be? Are you at 12+ months AoYA before they hit?

[omgitsMatt]

I've already got the AoYA penalty fortunately being at 1 month so that won't have anymore influence.

I'm wondering if AAoAs going from 7 months to 5 months would have any kind of influence on scores?

Honestly I'm not worried about anything anymore, 12 months will fix everything.

I don't want any new accounts showing up in between now and when Cap1 account goes to zero, that's my only worry. I want to get the score changes for that.

I'll make sure to clean up all the data when this is all settled and repost on an edited 2nd post so its consolidated.

I wonder too if the AU is giving extra points beyond AAoAs!

[Anonymous]

No, pretty sure no AAoA threshold there.

Hope DPs come thru 1st.

Well, we have one less question now at least!

[omgitsMatt]

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@Anonymous wrote:


Hope DPs come thru 1st.

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Bad luck, one of the new accounts showed up with a balance today and Cap1 hasn't updated, so no data points forthcoming