DP on AoYA hitting 3 months

Anonymous · ‎10-01-2019

My aoya hit 3 months today and I saw a 9 point increase in my Experian Fico 8, as well as a few other changes in other scores that you can see in the chart below. No other changes other than aging of accounts. I have a few baddies still on my report, so I suppose I'm on a dirty, thick scorecard. Anyway, just thought I would share as I'm always curious to see impacts of things like this. Data below is my experian data. I haven't see any score changes yet for TU or EQ, but suppose they could be coming as I don't have the same daily access to those.

Update -- TU appears to have gone up by 11, to 737. Similiar data chart below for TU.

Experian	9/30/2019	10/1/2019
Open CC	7	7
Open Retail	1	1
Real Estate	1	1
Installment	1	1
Total Open	10	10
Accounts Ever Late	5	5
Collections	0	0
Time Since Negative	1 y 8 m	1 y 9 m
AAoA	8 y 0 m	8 y 1 m
Oldest	21 y 1 m	21 y 2 m
Youngest	2 m	3 m
Closed	10	10
CC and Retail Debt	$ 11,476.00	$ 11,476.00
RE Debt	$ 400,853.00	$ 400,853.00
Installment Debt	$ 45,571.00	$ 45,571.00
Collections	$ -	$ -
Total Debt	$ 457,900.00	$ 457,900.00
Util	24%	24%
Installment Debt Util	60%	60%
Inquiries	13	13
CC Reporting Balances	3	3
% CC Reporting Bal	38%	38%
CC Below 8.9%	1	1
CC Over 8.9%	0	0
CC Over 28.9%	0	0
CC Over 48.9%	2	2
CC Over 68.9%	0	0
CC Over 88.9%	0	0


EX Fico 8	681	690
EX Fico Mortgage	676	676
EX Fico Auto 2	674	674
EX Fico Auto 8	677	685
EX BANKCARD 2	659	659
EX FICO 3	671	671
EX BANKCARD 9	690	698

EQ 8	682	682
EQ 9
TU 8	726	726

EQ Vantage	644	644
TU Vantage	585	609
EX Vantage		588

Anonymous · ‎10-01-2019

When you list inquiries, are you listing only scoreable inquiries, or total inquiries on your CR?

BallBounces · ‎10-01-2019

What is the nature and severity of the negatives (5 total, I assume) still on your experian file?

Anonymous · ‎10-01-2019

@Anonymous wrote:
When you list inquiries, are you listing only scoreable inquiries, or total inquiries on your CR?

13 hard inquiries, 11 in the past 12 months. I went through 2 rounds of morgage apps (new constructions, so pre-qual and then final qual), so I don't know how they were grouped for scoring purposes.

CC inquiries -- 4/11/18, 9/25/18, 5/24/19, 5/27/19, 6/1/19, 6/14/19, 6/20/19 (post-mortgage app spree :-))

Mortgage inquiries -- 10/2/18, 10/10/18, 10/11/18, 3/4/19, 4/25/19, 4/19/19

Anonymous · ‎10-01-2019

@BallBounces wrote:
What is the nature and severity of the negatives (5 total, I assume) still on your experian file?

Sadly 5 accounts reporting negtive items, not just 5 negatives (I went through a financially messy divorce in 2014/2015).

4 paid CO accounts (It was one student loan reported as 4 separate accounts) - CO in 1/1/16

1 open account with the following baddies:

60 days -- 10/13, 7/14, 6/15, 9/16, 4/17, 12/17

90 days -- 8/14, 7/15, 5/17, 1/18

120 days -- 9/14, 10/14, 8/15, 9/15

Anonymous · ‎10-01-2019

Here is my TU data, saw an 11 point bump today.

Transunion	9/30/2019	10/1/2019
Open CC	7	7
Open Retail	1	1
Real Estate	1	1
Installment	3	3
Total Open	12	12
Missed Payments	7	7
Accounts Ever Late	1	1
Collections	0	0
Time Since Negative	1 Y 8 M	1 Y 9 M
AAoA	11 Y 11 M	12 Y
Oldest	24 Y 11 M	25 Y
Youngest	2 M	3 M
Closed	10	10
CC and Retail Debt	$ 11,476.00	$ 11,476.00
RE Debt	$ 400,853.00	$ 400,853.00
Installment Debt	$ 45,571.00	$ 45,571.00
Collections	$ -	$ -
Total Debt	$ 457,900.00	$ 457,900.00
Util	24%	24%
Inquiries	11	11
CC Reporting Balances	3	3
% CC Reporting Bal	38%	38%
CC Below 8.9%	1	1
CC Over 8.9%	0	0
CC Over 28.9%	0	0
CC Over 48.9%	2	2
CC Over 68.9%	0	0
CC Over 88.9%	0	0

TU 8	726	737
TU Vantage	585	609

Negatives are the same negatives from the open account listed above, no CO or other negatives on TU.

Inquires -- 11

CC -- 4/11/18, 9/25/18, 6/17/19, 6/24/19, 9/27/19

Mortgage -- 10/1/18, 10/10/18, 10/11/18, 3/4/18, 4/25/18, 4/19/18

BallBounces · ‎10-01-2019

@Anonymous wrote:
@BallBounces wrote:
What is the nature and severity of the negatives (5 total, I assume) still on your experian file?

Sadly 5 accounts reporting negtive items, not just 5 negatives (I went through a financially messy divorce in 2014/2015).
4 paid CO accounts (It was one student loan reported as 4 separate accounts) - CO in 1/1/16
1 open account with the following baddies:
60 days -- 10/13, 7/14, 6/15, 9/16, 4/17, 12/17
90 days -- 8/14, 7/15, 5/17, 1/18
120 days -- 9/14, 10/14, 8/15, 9/15

Gotcha. Not terribly helpful info for you, but it seems to me that AoYA penalties and gains seem to be smaller with dirty files such as yours and mine (30+). I can't really quantify it beyond that but it is something to note. Thaanks for your detailed DP.

Anonymous · ‎10-01-2019

OP thank you very much for your detailed data points.

I don’t understand why some dirty files seem to get a AoYA points and others definitely don’t. I wonder what the discriminating factor is.

Anonymous · ‎10-05-2019

I have a theory I think I have this figured out. I don’t believe there are AoYA awards on dirty files.

it is a segmentation factor that doesn’t exist for dirty files. By the way neither does thick/thin Or aged/nonaged or new account/no new account.

Could something else be responsible for the point gains other than AOYA? I think so.

With installment loans, you are awarded so many points after so many on-time payments. Likewise when you open a new revolver, I believe you receive an award at three and six months of OnTime payments.

Anonymous · ‎10-05-2019

Basically AoYA does not apply unless you’re on a clean scorecard and then you have a scorecard reassignment at 12 months for version eight.