I created this thread to help @Anonymous @Anonymous and others with their efforts to figure out FICO scoring. I have been gathering data from my CCT (Credit Check Total) account for over a year and I think I have some useful data regarding HP (hard pull) costs, AAoA threasholds, AZEO, and a little data for utilization % penalties.
Basic stats:
Mature Derog scorecard: 4.5 to 5.7 year old unpaid Chase CC charge off 
AoOA: 16-10 back in Sept 2019, 18-1 now.
AAoA: Started at 14 years and dropped to 6, went up and down over time and crossed a few thresholds while being monitored.
AoYA and AoYRA & AoYLoanAcct: For open accounts they started at 0 in sept 2019.
AoYOLA (Age of Youngest Open Loan Account) went up to 13months and climbing. My paid off student loans are crossing 18-1 years.
AoYoRA never hit a year. I doubt the CO card is doing anything as it ages.
I'm not sure if anyone is recording actual HP costs per scorecard, but if not they should.
For my Mature Derog scorecard: Experien F8 from CCT.
0 to 1 is unknown to me
1 to 2 is 1 point
2 to 3 is 3 points
Same numbers for up and down even when they are over a year apart as expected.
AAoA is usually worth 1 pt per every 6 months in most of the examples I found for Experian F8.
When my store card appeared I lost 1 year AAoA, reset my 3month AoYRA, and lost 5 points. 8yr-4m to 7yr4m
7y-5m to 7y-6m +1 pt Clean example.
7y-7m to 6y-3m -2 pts Lost an old student loan that has been closed over 7 years.
6y-11m to 6y -1 pt New CC appeared.
6y-5m to 6y-6m Nothing?? Not perfectly isolated though.
I really wish I had grabbed a lot more reports but at the time I didn't think I would ever use them for what I am trying to do now.
No scoring model or source of info including vantage 3 and 4 has ever held my 4+ year old CO unpaid 114% account balance against me. My utilization was never affected, no error codes generated from the unpaid balance on any model ever. Vantage doesn't even hold the existence of the account against me from what I can tell. The account appears on all 3 CC bureaus, and a few of the fluffier CC vantage score based websites have mentioned the balance in passing but never as part of any score or reason code.
I am happy to dig up any info if it would help, but CCT is most of what I have.
It searches the credit card statements for utility type payments. It found my t-mobile bill and a Hulu streaming service membership.
Time to cancel Hulu/CBS all access and make a phone payment with my checking account so that shows up again in my Boost WF checking account. Boost has warned me in the past when I went 3 or 4 months without a visible T-mobile payment that Boost would delist T-mobile in some number of days unless it found another payment. At the time my CCs were not linked and boost could only see checking account activity.
When does a non public record dirty card such as a CO become mature/old vs new? Is that unknown? Is it known for sure if age is the subsegment of non public record scorecards?
@dustind wrote:It searches the credit card statements for utility type payments. It found my t-mobile bill and a Hulu streaming service membership.
Time to cancel Hulu/CBS all access and make a phone payment with my checking account so that shows up again in my Boost WF checking account. Boost has warned me in the past when I went 3 or 4 months without a visible T-mobile payment that Boost would delist T-mobile in some number of days unless it found another payment. At the time my CCs were not linked and boost could only see checking account activity.
When does a non public record dirty card such as a CO become mature/old vs new? Is that unknown? Is it known for sure if age is the subsegment of non public record scorecards?
@dustind interesting thank you for the information. you are aware only lenders that use boosted scores will see that score and most do not? But it's still a nice feature for those who do, although I don't know who does.
we are pretty certain on version 8 you go from a recent/dirty to a mature/dirty at 2 years from the most recent delinquency. As for PR cards, not as certain, but also believed to be at 2 years on version 8.
The mortgage scores on the other hand only have two dirty cards, so at 2 years they put you back in a clean card with a derogatory penalty it is believed.