@Anonymous wrote:Looks like you and I will be flip-flopping our scorecards. Where you were opening revolvers quite a bit over the last 3-4 years, I haven't opened any. You're moving to a "no new account" scorecard, where I'm finally apping for a few revolvers and will be moving to a "new account" scorecard. You'll be getting the 20-25 points that I lose
Aw, I'm betting you won't lose so many 
@kilroy8 wrote:
@SouthJamaica wrote:
@Anonymous wrote:
@SouthJamaica wrote:I was not aware that a 1 year AoYA would cause a scorecard reassignment. I thought that my thick file and 32 year age of oldest account had already put me on a scorecard on which I would stay if I kept my record clean.
Yes, since you're clean you'd be moving from a "new account" to "no new account" scorecard. You may very well pick up those points that you referenced.
Well that would be peachy. If that happens, I may never apply for another account again
That would be like, all dressed up and no place to go.
If you have good score and don't use it, what good is it?
Don't worry. It will be quite a while before I have a good score again
@Anonymous wrote:
@kilroy8 wrote:I don't think 5 year AAoA is a threshold, I think it is at 5 yr 6 mo.
That has been my understanding as well, including other mid-year marks such as 6 years, 6 months.
My 3-7 point gains from crossing 6 years seem to point to a threshold being crossed at 72 months. Between Feb. 20th and Mar. 1st there have been 3 separate score gains all of which I could clearly see happen and explain. I received points from an inq becoming unscorable, then a few days later received gains from my reports moving from AZE2 to AZEO, then further gains on the 1st from crossing from 5.9-6.0 yrs AAoA. My AoYRA will not be 12 months until 5/27/21.
@Anonymous wrote:
@Ficoproblems247 wrote:My 3-7 point gains from crossing 6 years seem to point to a threshold being crossed at 72 months. Between Feb. 20th and Mar. 1st there have been 3 separate score gains all of which I could clearly see happen and explain. I received points from an inq becoming unscorable, then a few days later received gains from my reports moving from AZE2 to AZEO, then further gains on the 1st from crossing from 5.9-6.0 yrs AAoA. My AoYRA will not be 12 months until 5/27/21.
Did you consider that perhaps the gain came from a different age of accounts factor outside of AAoA aging 1 month?
I went through my old closed accounts and cannot seem to find any stand out dates for oldest loans/revolvers or anything that would line up to a nice round number other than the average age hitting the 6 year mark. You guys are far more knowledgeable when it comes down to the nitty gritty stuff than I am so if you have anything you suggest to look at I am always happy to dig away in the name of FICO science!
@SouthJamaica wrote:On April 1st I'll be hitting 5 years average age of accounts and 1 year age of youngest account.
Since they will both happen on the same day, if there's a score increase I'm going to be at a loss as to how to determine which, if either, is the cause.
(After doing some research, I see that @Anonymous experienced a 26 point boost upon reaching the same 2 aging levels:
Interestingly, I got the exact same boost @Anonymous experienced: 26 points in EX FICO 8.
No other significant data change was reported today.
I find it hard to believe that all 26 points came from the 12 month AoYA number, and none from the 5 year AAoA number, but what do I know?
Negative reason code "short account history" was replaced by "seeking credit" (Experian.com displays only 3 negative reason codes).
"Amount of new credit" switched from "Fair" to "Good".
There was no change in FICO 2.
Update 11:49 a.m. Randomly, I happened to get a MyFICO update today on my Equifax FICO 8, and that went up 22
Update 11:59 p.m. Today was a good day for random updates on MyFICO (or maybe they're not so random). TU also updated, went up 20.
@SouthJamaica wrote:
@SouthJamaica wrote:On April 1st I'll be hitting 5 years average age of accounts and 1 year age of youngest account.
Since they will both happen on the same day, if there's a score increase I'm going to be at a loss as to how to determine which, if either, is the cause.
(After doing some research, I see that @Anonymous experienced a 26 point boost upon reaching the same 2 aging levels:
Interestingly, I got the exact same boost @Anonymous experienced: 26 points in EX FICO 8.
No other significant data change was reported today.
I find it hard to believe that all 26 points came from the 12 month AoYA number, and none from the 5 year AAoA number, but what do I know?
Negative reason code "short account history" was replaced by "seeking credit" (Experian.com displays only 3 negative reason codes).
"Amount of new credit" switched from "Fair" to "Good".
There was no change in FICO 2.
Update 11:49 a.m. Randomly, I happened to get a MyFICO update today on my Equifax FICO 8, and that went up 22
Update 11:59 p.m. Today was a good day for random updates on MyFICO (or maybe they're not so random). TU also updated, went up 20.
@SouthJamaica congratulations on your score gains, those are definitely quite significant! You're at the top end of those gains it appears. Remember now, you're never going to open another new account again, right? LOL
@Ficoproblems247 no you're AoYRA will not be 12 months on 5/27/xx, it happens on the first of the month, so it would be May 1 if the opening date was May 27. The fico algorithm always makes the date the first of the month, ir ignores the day of the month given.
@Anonymous wrote:
@SouthJamaica wrote:
@SouthJamaica wrote:On April 1st I'll be hitting 5 years average age of accounts and 1 year age of youngest account.
Since they will both happen on the same day, if there's a score increase I'm going to be at a loss as to how to determine which, if either, is the cause.
(After doing some research, I see that @Anonymous experienced a 26 point boost upon reaching the same 2 aging levels:
Interestingly, I got the exact same boost @Anonymous experienced: 26 points in EX FICO 8.
No other significant data change was reported today.
I find it hard to believe that all 26 points came from the 12 month AoYA number, and none from the 5 year AAoA number, but what do I know?
Negative reason code "short account history" was replaced by "seeking credit" (Experian.com displays only 3 negative reason codes).
"Amount of new credit" switched from "Fair" to "Good".
There was no change in FICO 2.
Update 11:49 a.m. Randomly, I happened to get a MyFICO update today on my Equifax FICO 8, and that went up 22
Update 11:59 p.m. Today was a good day for random updates on MyFICO (or maybe they're not so random). TU also updated, went up 20.
@SouthJamaica congratulations on your score gains, those are definitely quite significant! You're at the top end of those gains it appears. Remember now, you're never going to open another new account again, right? LOL
@Ficoproblems247 no you're AoYRA will not be 12 months on 5/27/xx, it happens on the first of the month, so it would be May 1 if the opening date was May 27. The fico algorithm always makes the date the first of the month, ir ignores the day of the month given.
Yes. I may never again open another new account For a multiplicity of reasons