EX 2's all up +10 due to aging alone

[Anonymous]

This happened on the 1st with no changes except for the additional month of aging. My 4 cards close on the 2nd through the 7th.

No change in reason statements for any of these scores.

One of the new aging values must be significant for these score models.

	8	AU8	BC8	MTG	AUT	BKC	3
EX	0	0	0	+10	+10	+11	+9

AoOA	AAoA	AoYA
2yr 9mo	1yr 6mo	7mo
AoORA	AAoRA	AoYRA
1yr 9mo	1yr 2mo	7mo
AGGREGATE %	AGGREGATE $	TOTAL LIMIT
5% (4.266)	$1236	$29,000

[Anonymous]

I'm assuming those aging factors are as of today, Sept 1?

That being the case, my best guest would be 18 months AAoA causing the increases.

[Anonymous]

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@Anonymous wrote:

I'm assuming those aging factors are as of today, Sept 1?

That being the case, my best guest would be 18 months AAoA causing the increases.

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I think you're right. And yes, those are current aging values, as of the 1st.

The only reason I wasn't sure anymore is because last month I found a training document with a slide dedicated to Number of Months Since Oldest Revolving Account Opening under the 'Credit History Length' section. It had some example (made-up) intervals listed. See this post.

That's one reason why I'm paying more attention to aging metrics related to revolving accounts. The other is a lot of already observed score changes at 3mo intervals of AoYRA.