Well the shoe dropped, and my new revolving account -- dropping me off of the AoYRA > 12 month scorecard -- was reported. The effect was a 16 point drop in EX FICO 8.
There was no effect in EX FICO 2.
Some of you may be aware that I previously tested whether the scorecard was AoYA > 12 months or AoYRA > 12 months, by adding an installment account, after > 12 months of not adding any kind of account. https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-AOYA-include-installment-loans/td-p... When the installment account was reported, FICO 8 was unchanged, but FICO 2 got slammed. From this I hypothesized at the time that the newer FICO score models use AoYRA, while the old score models use AoYA.
Today's news further confirms the fact that FICO 8 uses AoYRA. An installment account had no effect. A revolving account led to my eviction from the promised land.
In FICO 2 I had already been removed from the good scorecard.
It is of interest to me that the point loss in FICO 8 was 16 points. If memory serves, my point loss when this happened previously was 26 points. Perhaps the greater maturity of my file softened the blow.
@SouthJamaica wrote:Well the shoe dropped, and my new revolving account -- dropping me off of the AoYRA > 12 month scorecard -- was reported. The effect was a 16 point drop in EX FICO 8.
There was no effect in EX FICO 2.
Some of you may be aware that I previously tested whether the scorecard was AoYA > 12 months or AoYRA > 12 months, by adding an installment account, after > 12 months of not adding any kind of account. https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-AOYA-include-installment-loans/td-p... When the installment account was reported, FICO 8 was unchanged, but FICO 2 got slammed. From this I hypothesized at the time that the newer FICO score models use AoYRA, while the old score models use AoYA.
Today's news further confirms the fact that FICO 8 uses AoYRA. An installment account had no effect. A revolving account led to my eviction from the promised land.
In FICO 2 I had already been removed from the good scorecard.
Great work!
It also should be said that this idea is essentially as stated in the Primer back in 2020. I know you're not a fan of the Primer, but credit where credit is due. I think your data cements it and expands on it in with respect to 8/9 vs 5/4/2.
@SouthJamaica wrote:It is of interest to me that the point loss in FICO 8 was 16 points. If memory serves, my point loss when this happened previously was 26 points. Perhaps the greater maturity of my file softened the blow.
Sounds like a very plausible explanation to me. I have a fairly young profile (AAoA 3.5 yrs, AAoRA 1.5 years), and I think the AoYRA penalty/bonus for me is 20 points.
As an aside, I'm currently in the garden waiting for that +20 point shoe to drop in March, so I can see all three of my FICO 8s in the 800 Club for the first time ever, take a screenshot, and then immediately ruin it with a credit card app. 
@FicoMike0 wrote:Wow, great data point.
What are your AAoA and AoOA? Which do you think affects the size of this penalty?
In EX my AoOA is 36 years 4 months, and AAoA is 7 years 11 months.
I don't know what affects the size of the penalty. A couple of possibilities might be
(a) the fact that the profile is a few years older or (b) the fact that I had already lost
13 points due to recent inquiries.
In EQ FICO 8 the drop was only 8 points.