This thread will detail the 1st and 2nd revolvers reporting and associated score changes subsequent to reaching 12 months AoYA
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So, recall I received my AoYA awards:
https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/12-mo-AoYA-awards-clean-aged-thick/m-p/5...My loan hit: (No AoYA penalty.)
https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/New-loan-awards-quot-clean-aged-thick-no...Had some HPs drop:
https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Inquiries-unscoreable-DPs/m-p/5700175/hi...Also, did a lil' spree....Well, Disco reported, and I took my AoYA hit. That's right, the loan didn't reset it. Plus, looks like AoYA awards on older models has a longer than 12 month time frame, on EX anyway.
Here's the deal, Disco reported before I expected, so I took 2 HPs on EQ and didn't get a 1B before Disco hit; however, I believe they are both buffered as they offered no score change on FICO 8 and I doubt they would ADD points for inquiries, even on version 9, LOL!. I'll be able to chime in this month and advise if they were in fact buffered and therefore whether the EQ DPs are in fact reliable. But, I think they are, as 9 went up, so...All other variables held constant.
As for TU, I thought I pulled a 1B and did so late, so it has 2 new revolvers rather than 1. This DOES further affect score as I noticed a 1 point loss on both EX and EQ on FICO 8 when my 2nd new revolver hit, while TU dinged me an extra 3 on FICO 8. With that said, my TU score changes for other than FICO 8 will not be reliable, because there could be additional penalty for the 2nd new revolver being added. I'll assume the algorithms that had 0 change are reliable.
Last, I also noticed additional revolvers increased my EX FICO 9s slightly. Whats that about? I've got the pull with just the one new revolver after 12 months, but my next 1B added 2 more new revolvers and 9s went up 2 points each flavor. Definitely not expected. Sorry I don’t have version 9 for EX but I was relying on creditworks.
| EQ | TU | EX |
FICO 8 | -11 | -13 | -21 |
FICO 542 | -9 | 0 | 0 |
FICO AU542 | -9 | 0 | 0 |
FICO AU8 | -11 | -15* | -24 |
FICO AU9 | +8 | 0 | ? |
FICO BC8 | -11 | -15* | -23 |
FICO BC542 | -8 | -7* | -5 |
FICO BC3 | - | - | -3 |
FICO BC9 | +8 | 0 | ? |
FICO 9 | +8 | 0 | ? |
* (2 Accounts reported before this score change could be captured, so the change for adding only one account could be different, IDK.)
**UPDATE**
Wanted to add AAoA details. All 3 CRAs were different at this point and I have 2 AAoAs at each CRA due to an AU not counting on Version 8 and 9.
So EQ crossed 84 month for 98/04 and 72 month for 08 for adding card 1.
TU crossed 78 month for 98/04 and 60 month for 08 for adding card 1 and 2 (Remember I didn't get a pull before 2nd card hit TU.)
EX Crossed nothing for adding first card.
**2nd UPDATE**
10/4/19: Well, the 30 day marks came and went for EQ, and I still did not lose any points. So, I am concluding they were binned, as I lost no immediate points, nor none 30 days later as I would have if they had been buffered.