@Anonymous wrote:
@joltdude wrote:
With all due respect the OP is still under 21 in the US .. I do think both having their credit mature as well as not trying to rush it might avoid future pitfalls down the road... And theres something to be said about realistic goals and expectations.. Recall previous posts in the past that elicit to this.... From trying to game Cap One approvals by selectively freezing/locking/etc reports, to clawback of a donation to an org to open a Credit Union account, to currently claiming BBR is a scam..... And in the past, the op even mentioned income issues (trying to justify his clawback from Alliant for the org donation).... Goading the op for a datapoint ....don't think its in the ops best interest to continue in this manner but of course YCMV..... It appears as if someone is starting to get over his head.... and nothing but TIME is going to work in the ops favor at this time...
Right, and TIME is the exact factor that the OP referenced... "...do you think by October 2018..."
As far as realistic goals and expectations, I don't believe the score he is striving for is unrealistic. Another member above already posted success in hitting an 800 score with an AAoA of 1.4 years, so if 2 years AAoA was believed to be the constraint here it very well may not be.
The problem is that AAoA is not the only factor in the FICO "Account Age" (15%) category. AoOA matters just as much, if not more. 15% for age means somewhere between 80-90 of FICO's overall points are for aging.
We'd need some serious data points on folks who have an 800+ FICO8 score with an AoOA at 36 months. I haven't ever seen that myself and I do take a lot of notes from various forums I lurk at. Most people in my database with 800 scores appear to have an AoOA of 6 or 7 years.
My "casual" FICO scoring calculator puts approximately 10 points each for age thresholds which we don't know are correct because it's tough to estimate, but my casual calculator (accurate enough for my purposes) says there appears to be about 60 points set aside for AoOA (including AoYA scorecard) and 20-30 points for AAoA. So a 3 year AoOA may only "return" 20-30 points to FICO score and a 1 year AAoA is derogatory (0 points until 24 months) which means 30 points out of 80-90 points for that category (ignoring age of youngest account scorecard in that category).
850 total points, minus 80-90 subtracting the category gives you 750-770 FICO8, add back 30 points means 780-800.
I think OP can get to maybe 790, even 795, but I doubt OP can get to 800+ until his age of oldest account is 5 or 6 years old.
Just my projection, but I bet he will see just under 800 no matter what he does short of well aged AU.
Let me know what you need and I'll post it. 
