Data points on AoYA 11 months --> 12 months

[rmduhon]

Now that I'm completely awake (night shift worker) I looked a bit more. His EQ was 11, TU was 23, EX was 18. I was getting TU and EX confused.

[Anonymous]

Cool, thanks for looking into that.  I know you said on the previous page that he's got a clean file and an AAoA of 2 years.  What about his file thickness and AoOA?  Those are score card assignment factors and I'm trying to compare his possible score card to mine.

[rmduhon]

His oldest account was opened in September of 2015 and he has roughly 30 accounts, counting the ones of mine that he's an AU on. So it's a fairly thick but young file.

[DollyLama]

I had two accounts age 12 months, this Month. Clean files, no difference in utilization threshold. 

EQ 759-770   +11  Age of Oldest 11.6 AAoA 4.8 

TU 772-805   +33 Age of Oldest 11.6 AAoA 3.6

EX 755-778   +23 Age of Oldest 11.6 AAoA 4.2

[Anonymous]

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@rmduhonHis oldest account was opened in September of 2015 and he has roughly 30 accounts, counting the ones of mine that he's an AU on. So it's a fairly thick but young file.

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That's a lot of accounts in a short period of time; thick file for sure!  Question though, if his oldest account is from Sept 2015, that would put his AoOA at about 2.5 years, but you said his AAoA is 2.7 years back on Page 1.  If he's got 30 accounts, the oldest of which is 2.5 years, by definition that would make his AAoA less than 2.5 years, unless I'm missing something obvious here.  I know you said that's counting AU accounts as well.

[Anonymous]

I had two accounts age 12 months, this Month. Clean files, no difference in utilization threshold. 

EQ 759-770   +11  Age of Oldest 11.6 AAoA 4.8 

TU 772-805   +33 Age of Oldest 11.6 AAoA 3.6

EX 755-778   +23 Age of Oldest 11.6 AAoA 4.2

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DL, thanks for the data points above!

It looks like your EQ gain of 11 points was exactly equal to that from the previous person that replied.  It's also interesting that between the two of you while all the point gains weren't identical the max gain was on TU, the middle gain was on EX and the smallest gain was on EQ.

[Anonymous]

Another thing I think worth mentioning here is that usually there is an inquiry or inquiries associated with a new account, or definitely with multiple new accounts, so depending on the time that scores are pulled the data may be just the AoYA aging to 12 months where it could also be the inquiry/inquiries becoming unscoreable.

I believe inquiries become unscoreable at exactly the 1 year mark on the calendar, where as stated earlier one hits 12 months AoYA on the 1st of that month [where the inquiry took place].  In theory then, if one pulls their scores on the 1st before the date that the inquiries happened, they'd get a clean data point on the AoYA shift before the inquiry becomes unscoreable. 

As I think this through, it means I should pull my scores on the 1st of May, as on the 2nd of May is the day I took 4 inquiries (2 EX, 1 TU, 1 EQ).  I could then pull my scores again 7 days later (second pull on a CCT $1 trial) on the 8th to clearly see the scoring impact from the inquiries verses the AoYA shift.  Hopefully my thought process on this is sound, as I only get one shot to test these pieces of data.

[rmduhon]

I said his AAoA was less than 2 years 7 months, because that was when his oldest account was opened. Off the top of my head he has 18 open accounts that are his or joint with me, 5 closed, and another 15 or so as an AU. All of those were opened between Sept. 2015 and April 2017.

[Anonymous]

Gotcha.  If his AoOA is 2.7 years and he's got some 30 accounts that were opened pretty spread out over that time, his AAoA is probably somewhere around half that.  For scoring purposes, it would more than likely be scored as 1 year if it lands in the 1.0-1.9 range, as AAoA is thought to be rounded down to the nearest interger.

[rmduhon]

I tried to find his AAoA on the last reports I pulled but can't find it (on mobile). But I did find an Aaron's Rents account that I forgot about. It was opened in March 2010 and closed in February 2011. TU is the only one with the closed date, EQ and TU has the DoLA as 2/2011, EX isn't showing a closed date or DoLA. So his AAoA might be a bit longer than 2.7 years. 2 other closed accounts aren't showing on EX. Other than that the reports are the same.