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Account Aging Metrics / Utilization spreadsheet

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Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

That’s what it is the combination of the switch in the minif maybe?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 21 of 66
Highlighted
Established Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Nah I mixed up files when I was editing and combined the not 2019 front half of equation with 2019 back half, download again now and it should be clear -.-

 

Actually looking again I messed up with another switch in there. Give me a couple minutes.

 

And updated...again. LMK if I caught them all now.

as of 10/13/20
Current Cards:
Message 22 of 66
Highlighted
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Take your time do the changes Cassie suggested, this is gonna be awesome for everybody!!!!!

 

@ccquest that did the trick now you just got to incorporate the updates!!!! Awesome!!!

 

this is so awesome because people can plug in their data and give us accurate information this will make troubleshooting score changes so much better if someone uses this!!

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 23 of 66
Highlighted
Valued Contributor

Re: Account Aging Metrics / Utilization spreadsheet


@Birdman7 wrote:
Take your time do the changes Cassie suggested, this is gonna be awesome for everybody!!!!!

This may have been the spark needed to create the 'One True Excel File to Satisfy Them All'. lol

 

I can add VBA code if needed, but I think it's better to stick with worksheet formulas rather than switch to an xlsm file format.

 

SWITCH is included in Excel 2016 versions that were on subscription - it wouldn't work with standalone 2016. (Not even sure how a 2016 on subscription would stay that way, since everyone on MS 365 gets the latest version anyway.)

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

46 forum members have shared this new credit score. Share yours today!

Message 24 of 66
Highlighted
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

So this is set up to go all the way through 103 rows?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 25 of 66
Highlighted
Established Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Yeah it's set to row 103 for now, but I can update that to go further right now while I'm making changes.

I'm actually going to delete the age unit dropdown and just go with Cassie's recommendation as it's a little more human that way, young accounts will just need to ignore the 0yr at the start of each one.
as of 10/13/20
Current Cards:
Message 26 of 66
Highlighted
Valued Contributor

Re: Account Aging Metrics / Utilization spreadsheet


@Birdman7 wrote:
So this is set up to go all the way through 103 rows?

That should be fine. There is a way using the OFFSET function to take the whole column range, but that's ridiculous - anyone with 1,048,570 accounts needs a lot more help than an Excel file can give! haha

 

Could make it J8:J200 just to have even some nice numbers to look at, but even J8:J103 works for practically everyone.

27 FICO Scores + 3 VS3. MTG (Mortgage), AUT (Auto), and BKC (Bankcard) are scores 5,4, and 2 from the top.

Keeper of the Scrolls of ResilienceEQ FICO Resilience Index Score Leaderboard

46 forum members have shared this new credit score. Share yours today!

Message 27 of 66
Highlighted
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

You guessed it mines standalone.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 28 of 66
Highlighted
Super Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Yeah I’m sure that’s more than enough for anyone
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:

Oldest/average age varies by bureau. Estimates above.


Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 29 of 66
Highlighted
Established Contributor

Re: Account Aging Metrics / Utilization spreadsheet

Alright, here's the latest version everybody!

 

This should work for all versions and shows the age in a bit better format thanks to recommendation of Cassie.

 

image.png

 

Hope it works better for everyone and thanks for the feedback!

as of 10/13/20
Current Cards:
Message 30 of 66
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