AoYA Data Point

[atarvuzdar]

Just adding a data point for the impact of crossing the 1 yr mark for AoYA.

My CSR passed that threshold on 7/1 and I saw the following changes (all data taken from my myFico subscription):

EQ: 775 -> 784

TU: 767 -> 774

EX: 771 -> 771 (ie. no change!)

Clean credit report.

21 total accounts (10 open, 11 closed)

1 open mortgage @ 91.6% util

1 open student loan @ 100% util

1 closed car loan

8 open CC @ 12% util overall, balances on 3

Inquiries: 0 EQ; 1 TU; 1 EX

AoOA 15 yrs 3 mos

AAoA 6 yrs 0 mos

Top negatives before the account turned 1 were: loan balances; short revolving history; and new account. Now the top negatives are: loan balances; and short revolving history.

When the account first reported last year I had lost EQ: -8 pts; TU: -7 pts; EX: -14 pts, however, when the account first reported I had several thousand $$ reporting on it because of the SUB for CSR.

I had read of larger increases being reported by others but, honestly, I would've been shocked to see a really large bump in score. Just wanted to add the data points for reference.

Looking forward to 7/20/19 when the inquiry for the card (on both TU and EX) will be removed.

Hope this helps.

[NRB525]

Congrats on the increase. 

I take it that means 12 months of no apping? Kudos on the gardening too. 

What are the individual utilization numbers for your CC?

[atarvuzdar]

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@NRB525 wrote:

Congrats on the increase. 

I take it that means 12 months of no apping? Kudos on the gardening too. 

What are the individual utilization numbers for your CC?

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Thanks - yeah, a year without apping! Wasn't easy, I've been looking at the Chase FU for the 3% and to pair it with my CSR and Freedom but have held off.

Individual utilizations were as follows:

BofA: 34% (since lowered to under 29% causing my scores to increase a little, as noted in my sig)

CSR: 8%

Discover: <1%