All EX 2's (MTG, BC and AUTO) up 10+ pts with AoYA 6 months or...

[Trudy]

Not sure anything but the EX MTG 2 is the only EX 2 model that is used regularly but all 3 increased today due to reaching 6 months for AoYA or 24 years for AoOA.  Thoughts?

If AoYA is the reason I guess it's good to know for MTG scores.  

MTG +11

BC2 +12

Auto2 +10

[AllZero]

I've noticed similar factors when I hit AoYA/AoYR at 6 months back in January. Did your EX3 increase too?

Increases for EX2, Auto2, EX3, BC2.

No increases for Auto8, BC8, EX8 rock sold with no movement.

[Anonymous]

It's probably due to your AoYA hitting 6 mo. Congrats on your score increase! 

[AllZero]

At 3 months AoYA, AoYR I noticed movement too.

Increases for Auto8, Auto2, BC8, EX8

No increases for EX2, EX3, BC2

[Trudy]

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@AllZero wrote:

I've noticed similar factors when I hit AoYA/AoYR at 6 months back in January. Did your EX3 increase too?

EX2, Auto2, EX3, BC2 with increases. EX8 rock sold with no movement.

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No increase on EX3.  But as I review my spreadsheet from the last time I had an AoYA hit 6 months I did get a boost from the same scores including EX3 that time.  The only difference this time is that my UTL is a little higher (5%) than  before and that is the #1 reason code.

Yeah, Classic 8 is rock solid.  Thought I might see a change when going under 6% but did not.  CassieCard suggests 4% is a line for her profile.  Will see next month if it applies to mine.

[Trudy]

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@AllZero wrote:

At 3 months AoYA, AoYR I noticed movement too.

Increases for Auto8, Auto2, BC8, EX8

No increases for EX2, EX3, BC2

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Yep, looking back I see it happened in the past, not this time.  Actually looked for it this time and made a note "no change to AoYA at 3M"  Might be due to UTL. 

[AllZero]

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@Trudy wrote:

Yep, looking back I see it happened in the past, not this time.  Actually looked for it this time and made a note "no change to AoYA at 3M"  Might be due to UTL. 

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At 3 months. I was fully optimzed AZEO, 1% utilization

At 6 months. I was AZE4, 8% utilization.

[Anonymous]

@TrudyAAoA? AAoC?

I am using AAOC rather than AAORA, because we are trying to differentiate from loans but yet we still must take into account non-revolver cards such as charge cards. So I think the best terminology may be with a C for card?

AAoC, AoYC? AoOC?

[AllZero]

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@Anonymous wrote:

@TrudyAAoA? AAoC?

I am using AAOC rather than AAORA, because we are trying to differentiate from loans but yet we still must take into account non-revolver cards such as charge cards. So I think the best terminology may be with a C for card?

AAoC, AoYC? AoOC?

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I've just started using AoYR. Now you hit me with more? We need to add that to the abbreviation list.

[Anonymous]

Yes I know it but somebody just pointed out to me the other day, what about charge cards and a revolver doesn’t take that into account.