Data points on AoYA 11 months --> 12 months

[Anonymous]

Those that grabbed their credit scores just before their AoYA crossed from 11 months to 12 months and then grabbed them again after, I'm interested in hearing your score gains.  Please indicate whether or not you believe your data points are clean, or if you had other factors that could have been going on impacting your score change.

It would also be extremely helpful for those that are going to chime in here to give a bit of profile data, such as whether or not your file is clean/dirty, thick/thin, your AoOA, etc.  It's possible that the AoYA change from 11 months to 12 months could result in score card reassignment, which could of course impact score differently than if score card reassignment doesn't happen.

In another thread today, a member posted experiencing a 26 point gain on EX when his AoYA increased to the 1 year mark.  I'd like to hear what others gained.  Thank you. 

[Anonymous]

I had the 26 point jump. I will include my data points here too for the sake of keeping this information in one place.

Before increase:

• Experian FICO8 score 783
• AoYA 11 months
• AAoA 4 years 11 months
• AoOA 11 years 2 months
• 3 helping reason codes
• 1 hurting reason code

After increase:

• Experian FICO8 score 809
• AoYA 12 months
• AAoA 5 years
• AoOA 11 years 3 months
• 4 helping reason codes
• 0 hurting reason codes

[Anonymous]

Thanks for sharing your data in this thread.

As others will see, the data above also shows the poster reaching 5 years of AAoA at the same time, suggestive that there could be multiple variables at play here.  In reading from at least 2 (maybe more) other members in the last few days on here that have also hit 5 years AAoA without any other factors changing, it doesn't seem that 5 years is an AAoA threshold.  That being said, I'm somewhat confident that the data displayed above and snu hitting 12 months AoYA is what caused his 26 point score gain.

[rmduhon]

My hubby got an 11 and 23 point jump on his EQ and TU scores respectively on the first. I can't pull a report until the 21st, but the only thing I can find us his youngest account hitting a year. He definitely didn't cross a utilization threshold and his AAoA is less than 2 years 7 months. Rwbiuld started in September of 2015 with no accounts older than that. All his reports are clean.

[Thomas_Thumb]

---

@Anonymouswrote:

Those that grabbed their credit scores just before their AoYA crossed from 11 months to 12 months and then grabbed them again after, I'm interested in hearing your score gains.  Please indicate whether or not you believe your data points are clean, or if you had other factors that could have been going on impacting your score change.

It would also be extremely helpful for those that are going to chime in here to give a bit of profile data, such as whether or not your file is clean/dirty, thick/thin, your AoOA, etc.  It's possible that the AoYA change from 11 months to 12 months could result in score card reassignment, which could of course impact score differently than if score card reassignment doesn't happen.

In another thread today, a member posted experiencing a 26 point gain on EX when his AoYA increased to the 1 year mark.  I'd like to hear what others gained.  Thank you. 

---

Pasted below is information on scorecards by Fico. As you can see, AoYA is a scorecard assignment factor for non-Derog files only. Also of note: for non-Derog files additional segmentation factors include: age of file (AoOA) and file thickness. AAoA is not a scorecard segmentation factor but it may impact score more/less depending on what the AAoA is and the profile's scorecard.

Another thing to consider is what scorecard a profile changes from and goes to. Going from new acct/ thin => not new acct/ thin may boost score more than going from new acct/ thick => not new acct/ thick. Same holds for going from new acct/young file => not new acct/young file vs new acct/established file => not new acct/established file.

This solictation of data will be most useful if enough detail is provided to guestimate associated scorecard.

[Anonymous]

---

@rmduhonMy hubby got an 11 and 23 point jump on his EQ and TU scores respectively on the first. I can't pull a report until the 21st, but the only thing I can find us his youngest account hitting a year. He definitely didn't cross a utilization threshold and his AAoA is less than 2 years 7 months. Rwbiuld started in September of 2015 with no accounts older than that. All his reports are clean.

---

What was the source of those scores?  Whenever I see TU and EQ listed without mention of EX, I automatically think VS 3.0 scores from CK.

I think I recall reading once that 12 months is hit at the 1st of the month once the month that the account in question is reached... is that accurate?  For example, someone opened their last account on April 15, 2017.  For AoYA purposes, is it April 1, 2018 that 12 months is reached and not actually April 15, 2018?

[Remedios]

---

@Anonymouswrote:

---

@rmduhonMy hubby got an 11 and 23 point jump on his EQ and TU scores respectively on the first. I can't pull a report until the 21st, but the only thing I can find us his youngest account hitting a year. He definitely didn't cross a utilization threshold and his AAoA is less than 2 years 7 months. Rwbiuld started in September of 2015 with no accounts older than that. All his reports are clean.

---

What was the source of those scores?  Whenever I see TU and EQ listed without mention of EX, I automatically think VS 3.0 scores from CK.

I think I recall reading once that 12 months is hit at the 1st of the month once the month that the account in question is reached... is that accurate?  For example, someone opened their last account on April 15, 2017.  For AoYA purposes, is it April 1, 2018 that 12 months is reached and not actually April 15, 2018?

---

Yes, that is accurate for aging . My first account was opened at the end of October, and it was month old on November first on all CRAs. 

EQ and EX use 1st of the month as account opening date, TU lists the actual date, but aging is calculated the same. 

The only reason I am mentioning TU, is if you're planning to apply for a Chase card,  make sure you're under 5 on TU as they use a true date. 

[Anonymous]

Good info, thanks.  I opened 3 accounts on May 2 last year, so I suppose on May 1 my AoYA will hit 12 months.  I'll probably pull my scores at the end of the day on the 2nd just to be sure, as it's only 1 more day.

[rmduhon]

I just checked hubby's MyFico again, it was EX and not TU that got the 23 point jump. I'm not sure why I thought it was TU.

[Anonymous]

Do you have access to his TU score as well? I'm curious if the gain he received is closer there to the EX or EQ gain, just for comparison purposes.