AoORA, Clean vs Dirty Scorecard

[Patient957]

On Nov 1, my oldest revolving account turned 24 months.  Nothing else of consequence changed.  Utilization 2%, AZE1.

Experian 8 (clean scorecard) +9 (781 -> 790)

Equifax 8 (dirty scorecard) +0 (735 -> 735)

[Patient957]

Some commentary on the DPs.  I find it interesting that:

1)  Thresholds on certain age-related metrics can be different across different scorecards.

2) In Fico 8, often age metrics related specifically to revolving accounts can be more impactful than more general age metrics like AAoA or AoOA.  Another example is the experiment @SouthJamaica recently did regarding AoYA vs AoYRA.  It's also worth noting that this can differ from Fico 5/4/2.

[RedKhaos]

Makes sense. Afaik, months since recent inquiry comment don't trigger for a dirty profile but it'll show up for a clean one and drops off at 1 year (I believe I have that right). When was your most recent inquiry? Would love to see dp on that.