Backfire when trying to avoid AU AZ penalty

[Anonymous]

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@Ficoproblems247 wrote:

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@Anonymous wrote:

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@Ficoproblems247 wrote:

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@Anonymous wrote:

@Ficoproblems247 I believe there’s a AAoA threshold at 5.5 years, so that could have been it.

And you already have your EX.

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That would make sense. My profiles are fairly similar. They're all +\- 1 old account or so so my AAoA should be very similar across all 3. CK shows AAoA for open accounts only afaik. I didn't have time to try and add up the months and do the math this morning while I was looking on the site. 

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@Ficoproblems247 That is true you do have to calculate it yourself, what they show is only open accounts. Wasn't trying to give you work, but if you feel like it, when you have time and the curiosity is bugging you, you can check it out. 

and be careful on Experian because they show average age in two places one with and one without authorized user accounts, if you are using their interface rather than doing it manually. 

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Alright, teacher, I did my math homework lol. It actually had a larger impact than I thought it would, AAoA went from 6.7y to 5.2y so the 5.5 breakpoint certainly makes sense. I'm not worried about the point loss and kind of expected it to happen. I'm trying to garden until I attempt to add a couple USB cards to my lineup (Cash+ and probably Altitude GO) so I have until June '21 to sit around and wait to be under 1/12. If I don't play around with and mess with my FICO scores in the mean time or do SOMETHING credit wise I'll get too bored. Thank you by the way for always being so super helpful not just to me, but to everyone hanging around the scoring sections. Your knowledge baffles me sometimes! 

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Thank you so much for the kind words, it's my pleasure to help. You may have also crossed a 6-year threshold. you may also have crossed thresholds for average age of revolving accounts.

feel free to get into more of the story and more details if you need more help. 

[Anonymous]

@Ficoproblems247 is the card still open? can you get somebody to put a balance on it and see if you have a score change if that's your only authorized user account? Then again they may not be reporting updates, regardless of how it's coded. 

[Ficoproblems247]

I assume it's still open, but it hasn't updated since January. It's the ex wife's so I think I'll hold off on asking her to throw a charge on it. 😂 It's no big deal. I have some good stuff happening over the next couple months with my reports and some CLI opportunities on a couple cards coming up; I have plenty to keep me occupied in the wonderful world of credit for a bit. 

[Anonymous]

Gotcha

[AndySoCal]

Open if is it in the account type field where you might installment revolving has nothing to with the account being open or closed.  See my previous post.  Regarding the word terminated here is a link that will help with this

https://ficoforums.myfico.com/t5/Credit-Cards/Responsibility-Terminated/td-p/3878287 

[Anonymous]

I don’t think he’s talking about a open-ended charge card from cap1.

[Ficoproblems247]

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@AndySoCal wrote:

Open if is it in the account type field where you might installment revolving has nothing to with the account being open or closed.  See my previous post.  Regarding the word terminated here is a link that will help with this

https://ficoforums.myfico.com/t5/Credit-Cards/Responsibility-Terminated/td-p/3878287 

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Yes, I understand all of that and how and why that the responsibility was terminated and the account stopped reporting. The only reason I wanted to test it out was due to the fact that despite these other factors, the CL was still being included in my total available CL across all lines. 

[Anonymous]

@Ficoproblems247 out of curiosity what was your before and after aggregate utilization considering removing the credit limit?

[Ficoproblems247]

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@Anonymous wrote:

@Ficoproblems247 out of curiosity what was your before and after aggregate utilization considering removing the credit limit?

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$46 reporting (AZEO.) My TCL at that time went from $39,900 to $38,500. 

[Anonymous]

OK cool so we know for sure that played no part. I knew you had that under control, but I had to ask.