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AoYA reached 1 year today, no gain with EX but 8pt gain with TU

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Established Contributor

Re: AoYA reached 1 year today, no gain with EX but 8pt gain with TU


@Birdman7 wrote:

Let me ask you this. You have Experian credit works. Did you see any score changes on any model on the first of this month? Yes, all FICO 2 scores increased, 10, 11,12 and FICO 3 score 15.  Does Experian credit works list the age of your youngest account as 12 months? Yes

Thanks.

 

FICO 8: - 07/2020 AU 8 BC 8
FICO 9: - 07/2020 AU 9 BC 9
F5,F4,F2 07/2020 AU... BC...
Vantage 07/2020
AoOA - 24Y4M | AoYA – 0Y10M | AAoA – 12Y0M (EQ), 11Y11M (EX & TU)
Open: 10 CC: 1 reporting 4.40% - 0.50% AGG UTL | 1 PLOC | 1 MTG loan: 81.3% UTL | 1 Auto loan: 7.83% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/12 & 1/24
Message 21 of 24
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Senior Contributor

Re: AoYA reached 1 year today, no gain with EX but 8pt gain with TU

Unless the 30 day late modifier held you, or unless you got it at 3 and 6 months, or unless something else changed, I don't know.

But the fact you received points on EX2 shows it recognized something.

Maybe some more experienced members have some ideas?
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.



RIP:






Scores updated May 2020, unless otherwise noted. 5 revolvers reporting a balance, where it's normally 1, but took an HP on EX.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 22 of 24
Highlighted
Established Contributor

Re: AoYA reached 1 year today, no gain with EX but 8pt gain with TU


@Birdman7 wrote:
Unless the 30 day late modifier held you, or unless you got it at 3 and 6 months, or unless something else changed, I don't know.
Yeah, cant really tell because those months marked some anomolies, 5 accounts reporting in Nov, early Dec when I usually only report 4 accounts. (My profile, more pronounced w/ TU doesnt like 5 out of 12 open accounts reporting a balance (3 CC, 2 loans).  And January, early Feb when I had an unexpected CLI increase HP age to 1 yr.

But the fact you received points on EX2 shows it recognized something.  I found that interesting too which is why I was a bit confused.

Maybe some more experienced members have some ideas?  Appreciate you input. Not obessed about it but like many who track and note when changes occur and apply what I've read hear I thought it was worth posting to inquire if there was something I missed.

Moving on.  Thanks again!

FICO 8: - 07/2020 AU 8 BC 8
FICO 9: - 07/2020 AU 9 BC 9
F5,F4,F2 07/2020 AU... BC...
Vantage 07/2020
AoOA - 24Y4M | AoYA – 0Y10M | AAoA – 12Y0M (EQ), 11Y11M (EX & TU)
Open: 10 CC: 1 reporting 4.40% - 0.50% AGG UTL | 1 PLOC | 1 MTG loan: 81.3% UTL | 1 Auto loan: 7.83% UTL
Closed: 1 MTG loan | 1 Auto loan | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 0/24 | (EX) 1/12 & 1/24
Message 23 of 24
Highlighted
Senior Contributor

Re: AoYA reached 1 year today, no gain with EX but 8pt gain with TU

Classic MF alert problem. Just keep the EX Credit works too.

Yeah I don’t think we can really determine anymore unless we had 3Bs before and after each incident. But at least you figured out a few things. Sorry we couldn’t figure out everything.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.



RIP:






Scores updated May 2020, unless otherwise noted. 5 revolvers reporting a balance, where it's normally 1, but took an HP on EX.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 24 of 24
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