I lost 14 pts on TU F8 when my new account reported (8/7/18). Gained 1 pt when inquiry (6/12) aged a year which is exactly what I lost for the INQ. I assume I didn't get the full 14 pts back due to AG UTL being greater than 8.9% for the 1st time in years and still is greater. However, I didn't receive anything today for EX.
As my sig indicates TU is clean while EX still has a 6Y8M old 30 day left. I posted in the garden club for the 1st time after reaching 1Y and a response stated it depends on the bureau whether it will show up a few weeks later, next month or later. I didn't provide any information about CB and hadn't received an alert about TU yet.
When does EX typically update when AoYA reaches 1 year? I have and EX subscription so I get updates daily. No other changes other than reducing AG UTL from 13% to 12%; 1 card still at 27% and 1 now at 14% from 21%. Same # of accts reporting. No known thresholds crossed for Installment loans.
Think I won't worry about EX and just wait it out. EQ came through today with a 37 point gain. I have to assume it has nothing to do with AoYA reaching a year since I only lost 16 pts for the new acct. Must be an early removal of my last 30d. YAY! I'll get my 3B report from EX on Monday and will see. I'm at peace for now....
Yeah, thought about that after reading your post with a clean file. I actually don't recall ever reading that a dirty file can impact whether you see a gain at one year or not. Guess it does.
For my 2 dirty CB, my profile doesn't support no penalty:
EQ (clean as of 8/2/19)
Refi'd MTG 6/12/18 (INQ), new account reported 9/9/18 (open date 8/2018)
New CC reported 8/31 (open date 8/2018) INQ only on EX
-16 pts on 7/30/18, +10 on 7/31/18 (7/30 all revolvers reporting $0, one CC reported on 7/31)
* I attribute net of -6 to refi INQ - Can't clearly pinpoint if and when INQ pts were regained but I rcv'd a FICO alert 6/29 of +6 pts. It was not there on my 3B 6/7/19 report from EX subscription)
Lost 16 pts on 9/9 when new MTG reported.
Refi'd MTG 6/12 (INQ), new account reported 9/9 (open date 8/2018)
New CC 8/8 (INQ), new account reported 8/31 (open date 8/2018)
Lost 1 pt on 8/2/18
*I attribute this to refi INQ (+1 pt on 6/13/19)
Lost 6 pts on 8/9/18
* I attribute this to New CC INQ
Lost 9 pts on 9/9 when my new MTG reported
TU has been clean since 1/2019
Thanks Birdman. I agree that it is likely the new CC reporting but the loss of 9 pts on 9/9 when my MTG reported would then be the AoYA penalty as there would have been no other reason for a 9pt loss.
Prior loans is auto and the original MITG that was re-fi'd.
EQ - I lost 16 pts on 7/30 but gained back 10 on 7/31 (7/30 no revolvers reported). Also lost 12 pts on 8/31 but gained back 10 on 9/7 (again most of loss due to no revolvers reporting). Lost 16 pt on 9/9 which coincided with my MTG reporting. No more gains until 10/9 (1 pt, no clue) and 11/3 (4 pts, no clue although my notes also indicates the only change is that my new accts hit 3 months) Dates are based on MyFico alerts so can't pinpoint the exact day as I know from monitoring EX daily that MyFico doesn't update timely and in some cases not at all or much later when something else occurs.
The 30d for EQ was removed 8/2 but since we're talking EX, the CN where I saw no movement since on or after 8/1/19, are you saying the 1 30d does not = a dirty file? It is the bureau I was able to monitor daily and saw nothing for AoYA hitting 1Y.
TU, I received 8 pt gain. Lost of 12 when new acct reported. For my profile, TU seems to be extremely sensitive to UTL which as previously noted, 1st time exceeding 8.9% of overall UTL in 7/2019. May be the reason I didn't get the full 12 back(?)
8 CC, 2 reporting a balance. (2930/20,000 and 6870/25,000) AGG UTL 12%
1 retail, no balance
1 PLOC, no balance
BTW, Congrats with having no experience with a dirty file. haven't found many of those here although I'm sure it exists.