I get free TU scores from BoA, Disco and Barclays. This is probably common knowledge but at least for my profile, I can say it's a pretty concrete DP that 3 months seems to be the threshold at which AoYA starts hurting less.
1/19/18: 760 (BoA)
1/30/18: 760 (Disco)
2/04/18: 770 (Barclays)
Between Jan 30 and Feb 4 I didn't use any of my cards, and no new transaction posted. The one and only INQ is still very fresh from Nov 2017 so it's not that. AAoA did go from 14 to 15 months but I really doubt that's worth +10 points.
Except for my BoA Cash Rewards, everything else was opened on different dates in Nov 17. So if each card ages by one month on the 1st, then Feb is when all 3 new revolvers hit the 3 month mark. The Alliant SSL was opened in December, so possibly still dragging me down a bit. Thus I feel pretty confident saying that the +10 points was due to my 3 new cards aging past the 3 month mark. I'm now very curious to see if I'll get another boost from my SSL aging past 3 months in March. 
Slightly less concrete data on EX:
1/14/18: 760 (Disco CreditScoreCard, the one that's available to everyone and pulls EX instead of TU)
2/09/18: 772 (EX FreeCreditScore.com)
I say slightly less concrete because the reported balance on my Barclays Uber increased from $262 to $400 between those two dates (my AZEO card). While still keeping under 8.9% individual and 1% aggregate util, it's 5% vs 8% so could have some minor scoring effects. Nonetheless I think this is still illustrative of a threshold being present at 3 months for AoYA, at least for my particular scorecard.
wrote:I get free TU scores from BoA, Disco and Barclays. This is probably common knowledge but at least for my profile, I can say it's a pretty concrete DP that 3 months seems to be the threshold at which AoYA starts hurting less.
1/19/18: 760 (BoA)
1/30/18: 760 (Disco)
2/04/18: 770 (Barclays)
Between Jan 30 and Feb 4 I didn't use any of my cards, and no new transaction posted. The one and only INQ is still very fresh from Nov 2017 so it's not that. AAoA did go from 14 to 15 months but I really doubt that's worth +10 points.
Except for my BoA Cash Rewards, everything else was opened on different dates in Nov 17. So if each card ages by one month on the 1st, then Feb is when all 3 new revolvers hit the 3 month mark. The Alliant SSL was opened in December, so possibly still dragging me down a bit. Thus I feel pretty confident saying that the +10 points was due to my 3 new cards aging past the 3 month mark. I'm now very curious to see if I'll get another boost from my SSL aging past 3 months in March.
Slightly less concrete data on EX:
1/14/18: 760 (Disco CreditScoreCard, the one that's available to everyone and pulls EX instead of TU)
2/09/18: 772 (EX FreeCreditScore.com)
I say slightly less concrete because the reported balance on my Barclays Uber increased from $262 to $400 between those two dates (my AZEO card). While still keeping under 8.9% individual and 1% aggregate util, it's 5% vs 8% so could have some minor scoring effects. Nonetheless I think this is still illustrative of a threshold being present at 3 months for AoYA, at least for my particular scorecard.
I always get a point bump when one of my new account ages to three months and six months. So my experiences are consistent with yours. My AAoA as around 7 years so I haven’t experienced the thresholds on total accounts. So I can’t speak on that one.
