Yeah I'm dirty as we know with the BK. I wonder when it goes to excellent/exceptional on MyFICO. Maybe someone has it. We'll see. Just funny CK has me as red with AAoA's but a 723 score on TU. LOL!!!!!
@GZG wrote:
@FireMedic1 wrote:@sznthescoreI was posting in another thread about this in a way. Yes @SouthJamaica is correct. Vantage doesnt count closed accounts. My FICO TU vs CK TU Vantage. There's that "Open Accounts" and red!!!!!!
Since were on this topic. @SouthJamaica in that other thread where I said we'll figure it out here. Guess its 4 yrs and not 4 yrs 8 months to hit very good with FICO. ¯\_(ツ)_/¯
I wonder what the thresholds are for oldest account/newest account to get very good as well
Would be nice for MyFico to list newest account age as well in that section
Where was your snip from @GZG ? Older then mine but fair? TU?
@GZG wrote:
@FireMedic1 wrote:@sznthescoreI was posting in another thread about this in a way. Yes @SouthJamaica is correct. Vantage doesnt count closed accounts. My FICO TU vs CK TU Vantage. There's that "Open Accounts" and red!!!!!!
Since were on this topic. @SouthJamaica in that other thread where I said we'll figure it out here. Guess its 4 yrs and not 4 yrs 8 months to hit very good with FICO. ¯\_(ツ)_/¯
I wonder what the thresholds are for oldest account/newest account to get very good as well
Would be nice for MyFico to list newest account age as well in that section
I wonder why your AAoA says fair and your AAoA is longer than mine??? And mine says Good at 3yrs 8mos. 🤔
@FireMedic1 wrote:
@GZG wrote:
@FireMedic1 wrote:@sznthescoreI was posting in another thread about this in a way. Yes @SouthJamaica is correct. Vantage doesnt count closed accounts. My FICO TU vs CK TU Vantage. There's that "Open Accounts" and red!!!!!!
Since were on this topic. @SouthJamaica in that other thread where I said we'll figure it out here. Guess its 4 yrs and not 4 yrs 8 months to hit very good with FICO. ¯\_(ツ)_/¯
I wonder what the thresholds are for oldest account/newest account to get very good as well
Would be nice for MyFico to list newest account age as well in that section
Where was your snip from @GZG ? Older then mine but fair? TU?
@sznthescore wrote:
@GZG wrote:
@FireMedic1 wrote:@sznthescoreI was posting in another thread about this in a way. Yes @SouthJamaica is correct. Vantage doesnt count closed accounts. My FICO TU vs CK TU Vantage. There's that "Open Accounts" and red!!!!!!
Since were on this topic. @SouthJamaica in that other thread where I said we'll figure it out here. Guess its 4 yrs and not 4 yrs 8 months to hit very good with FICO. ¯\_(ツ)_/¯
I wonder what the thresholds are for oldest account/newest account to get very good as well
Would be nice for MyFico to list newest account age as well in that section
I wonder why your AAoA says fair and your AAoA is longer than mine??? And mine says Good at 3yrs 8mos. 🤔
Yeah that was this month's MyFico TU pull. EQ and Exp have 'good' for this AAoA and 4 new accounts in the last 6 months. Oldest account ~9 years
@sznthescore @GZG This is odd. You'd think it would be set what is fair, good, very good, ect. Not making sense at all.
So I'd point out the fact that all the "interpretation" we see outside of the data, score, and reason codes are fluff and not neccessarily 100% accurate.
This is true regardless of monitoring service; while I think myFICOs is pretty good for it's analysis it's not exact and shouldn't be taken as reference outside of the aforementioned metrics. CKs analysis, meh. They just seem to be schilling for credit card referral fees these days seemingly.
I still absolutely refresh the data currently to see when my EQ and TU files get updated though, still utterly fantastic for report access at least (CK that is).
@FireMedic1 wrote:@sznthescoreI was posting in another thread about this in a way. Yes @SouthJamaica is correct. Vantage doesnt count closed accounts. My FICO TU vs CK TU Vantage. There's that "Open Accounts" and red!!!!!!
Since were on this topic. @SouthJamaica in that other thread where I said we'll figure it out here. Guess its 4 yrs and not 4 yrs 8 months to hit very good with FICO. ¯\_(ツ)_/¯
This is actually interesting, bc my average age of accounts is 6yrs 6 months, yet it's considered 'good' rather than 'very good.' What's the age of your youngest account? I'm wondering if my accounts that are less than 1yr old are impacting this aspect of the scoring...
This helpful / good to know! Thanks!
