AoYA hits 24 mo, no increase on 28 scores

[Anonymous]

BBS, I think the AoYA gain @ 3 and 6 months is limited to young or thin scorecards, so I think that leaves us out of these reindeer games. LOL.

Cassie When I say young, We mean past the AooA breakpoint, although we don't know what that is, 12, 15, 18 years? But good to know it affects ppl over 2 years, rules out the new account segmentation. Did you notice it happening to ppl with more than 10 accounts btw?

[Revelate]

I’m not sure that is correct Birdman: I lost a bucketful of points on FICO 8 with the new Citi card and I doubt my file is considered new, let alone thin.

Will see in a few months if I go back up 20 points then there is a line there, if I don’t it is something more sophisticated like a pattern of new accounts.

[Anonymous]

I agree you lost some points there, but correlation/causation...I'll be interested in seeing what occurs when you hit 3 and 6 months AoYA...matter fact, I may have to go back and see what I can pull. Interesting, so you think it may apply to all clean/new account scorecards? Regardless of thick/thin; aged/nonaged?

[Anonymous]

Rev 1/18, what increase did you see for your 12 month AoYA? FIC0 8, of course.

[Anonymous]

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@Anonymous wrote:
BBS, I think the AoYA gain @ 3 and 6 months is limited to young or thin scorecards, so I think that leaves us out of these reindeer games. LOL.

Cassie When I say young, We mean past the AooA breakpoint, although we don't know what that is, 12, 15, 18 years? But good to know it affects ppl over 2 years, rules out the new account segmentation. Did you notice it happening to ppl with more than 10 accounts btw?

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It happened to someone with AAoA around 7yrs here (in 1st reply to OP who had AAoA 15mo): https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Age-of-Youngest-Account-3-month-threshold/td-p/5159274

Number of accounts was either not mentioned or nowhere close to 10 in the posts I could find. Most people only mention AAoA and not AoOA.

You guys are serious veterans at this credit game. I can't imagine the historical data at any bureau shows people with that much credit history to be as risky as someone like me with new credit cards. I mean, I'm a zero risk in reality, but I'm sure there's millions out there who got into trouble fast with new credit cards, and that will be a major factor in the logistic regression models used in credit scoring.

[Anonymous]

The AAoA would be irrelevant as long as on a nonaged scorecard (AooA<12,15,18, 25?) I think we can assume they all were on nonaged scorecards, although, I'm gonna go read that thread.(High AAoA might indicate a higher AooA though.)

The question to me now becomes whether it applies to both and thin scorecards, as well. The demarcation there is gray as well. I think general knowledge is 10 or more accounts is thick. Things are magnified on thin cards because there's less to extrapolate from. yes, i think the AooA number is lower, due to many reasons.

[Anonymous]

I messaged the member that made that comment Cassie. Maybe we can find out his AooA and number of accounts. Who knows, maybe it applies to all clean scorecards. Interesting tho.