I'm going to try pulling some data together today: the Citi DC ninja reported and I got spanked (-26 on FICO 8) so I need to run some analysis and it's the weekend so I have some time to be able to do that.
Probably going to just present it all in another thread because it's going to cover more topics than just this but I will stick a link here if I go that route. Didn't expect my credit to react on any of this.
Or maybe this one, not sure, did drop below the 5 year AAOA mark but that doesn't explain the magnitude of the FICO 8 change.
Looks like the FICO 2 change was spot on +9 / -9 and the reason code for short credit history moved back up to #1. Absolutely incontrovertable for FICO 2 and completely rules out the 11 year AOOA as a boundary too.
For completeness AOYA went from 5m to 1m, that didn't factor in FICO 2, it might've in FICO 8 much bigger shift there vs. the May 1 5 year AAOA change but sadly I don't have great reason codes, yo CMS's: gimme data!
Updating the top post with full data:
Well for FICO 8 going past this threshold was +3 which sounds much like your 2; where I got whacked was almost assuredly new accounts conflating with the AAOA change: went from 5 months to 1 month AOYA: seems pretty extreme for a new account but it could be the total within a year or 6 months or something rather than just AOYA and that would fit both my and Cassie’s data I think too... so I have to wait a bit on that.
It was FICO 2 that was +9, and that datapoint is gold standard: the FICO 8 one is kind of a mess with that big move down when Citi reported but the age metrics got split apart somewhat at least.
AAOA 5 years / 60 months for the datapoint
AOOA 11 years (not breakpoint but reference)
Complaints are inquiries, new accounts, CFA outside of the short history one: basically all Experian models are complaining about this though some industry options have the longest revolver or longest installment complaints, both also around age.
As for thick, survey says yes
. Total tradelines is over 30 and 19 open as of today.
It was FICO 2 that was +9, and that datapoint is gold standard: the FICO 8 one is kind of a mess with that big move down when Citi reported but the age metrics got split apart somewhat at least.
AAOA 5 years / 60 months for the datapoint
AOOA 11 years (not breakpoint but reference)
Complaints are inquiries, new accounts, CFA outside of the short history one: basically all Experian models are complaining about this though some industry options have the longest revolver or longest installment complaints, both also around age.
As for thick, survey says yes
. Total tradelines is over 30 and 19 open as of today.