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

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Frequent 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 as of 08/02/19
FICO 9 as of 08/02/19
AoOA - 23Y5M | AoYA - 1Y | AAoA - 12Y
1 30 day late on EX (12/2012)
Open: 8 CC | 1 RC | 1 PLOC | 1 MTG loan | 1 Auto loan
Closed: 1 MTG loan | 1 Auto loan | 2 RC
Message 21 of 24
Valued 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?
New:
Under Recon:Should I?




Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+0,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 4 HP dings to add; will update again.
Message 22 of 24
Frequent 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 as of 08/02/19
FICO 9 as of 08/02/19
AoOA - 23Y5M | AoYA - 1Y | AAoA - 12Y
1 30 day late on EX (12/2012)
Open: 8 CC | 1 RC | 1 PLOC | 1 MTG loan | 1 Auto loan
Closed: 1 MTG loan | 1 Auto loan | 2 RC
Message 23 of 24
Valued 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.
New:
Under Recon:Should I?




Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+0,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 4 HP dings to add; will update again.
Message 24 of 24
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