Credit score swings up and down

[Girlzilla88]

@Anonymous     Also can you tell me any other Milestones, like is there a 5 year card, or a 7 year/10 year etc.    lol      That way I can keep up with things moving forward

[Anonymous]

Some possibilities:

• The now infamous AoOA 3yr 0mo score drops
  • Oldest card clocks 3yrs and Fico8 score drops 22 points 
  • Oldest account hits 3 yrs scores drops up to 22 points  
• Another sort of scorecard change
  • AoOA 2yr / AoYA 1yr - Hello new scorecard? (My EX 2 scores dropped -22pts)
• All Authorized User (AU) cards reported $0
• There is a report of a closed installment loan aging that dropped scores by -20pts. Remedios asked me to watch for this on my file next month when I reach AoOA 3yrs 0mo / AoORA 2yrs 0mo (2yrs since loan closing, 3yrs since loan opening)

[Anonymous]

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@Anonymous wrote:

Some possibilities:

• The now infamous AoOA 3yr 0mo score drops
  • Oldest card clocks 3yrs and Fico8 score drops 22 points 
  • Oldest account hits 3 yrs scores drops up to 22 points  
• Another sort of scorecard change  this was from young to mature on EX2, (no new account change imo)
  • AoOA 2yr / AoYA 1yr - Hello new scorecard? (My EX 2 scores dropped -22pts)
• All Authorized User (AU) cards reported $0
• There is a report of a closed installment loan aging that dropped scores by -20pts. Remedios asked me to watch for this on my file next month when I reach AoOA 3yrs 0mo / AoORA 2yrs 0mo (2yrs since loan closing, 3yrs since loan opening)

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see Bolded comment above. I again did not switch cards on any of the mortgage scores at one year. 

@Anonymous I sure wish that wasn't conflated, I would love to get that AoORA data point, but I know you're going to change cards then.