FICO Score 8 Master thread: what we know, what we think, what we are still learning

[Anonymous]

@RemediosThank you for the awesome data points we will incorporate!

Cassie has also noticed TU having a thing with 3, 6, and 9. So it definitely fits. 

That's very interesting about the 3.5 mark on 8. 

[Anonymous]

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@Remedios wrote:

There is a weird gain on TU when AAoA reaches 9 months 😐 but not on the other two 

Yes, you mentioned that before in a thread about AoYA 6mo score gains.

I started a thread about this TU score gain here: TU 8 +7 at AoYA 5mo, AAoA 9mo, AoOA 1yr 5mo 

And it happened again, 9 months later at AAoA 1yr 6mo!: TU 8 up +7pts at AoYA 1yr 2mo, AAoA 1yr 6mo, AoOA 2yr 2mo 

There's that (Age mod 3 = 0 ) thing again....AAoA is a multiple of 3, the others are not.

At that time, I was always at AZEO (i was a cult member prior to reprogramming), and there were no changes in utilization and number of cards reporting.

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lol

Stay away from that AOD Cult! They're running wild all day and night over in the Card Approvals section, spreading their 'Truth'.

[Remedios]

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@Anonymous wrote:

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@Remedios wrote:

There is a weird gain on TU when AAoA reaches 9 months 😐 but not on the other two 

Yes, you mentioned that before in a thread about AoYA 6mo score gains.

I started a thread about this TU score gain here: TU 8 +7 at AoYA 5mo, AAoA 9mo, AoOA 1yr 5mo 

And it happened again, 9 months later at AAoA 1yr 6mo!: TU 8 up +7pts at AoYA 1yr 2mo, AAoA 1yr 6mo, AoOA 2yr 2mo 

There's that (Age mod 3 = 0 ) thing again....AAoA is a multiple of 3, the others are not.

At that time, I was always at AZEO (i was a cult member prior to reprogramming), and there were no changes in utilization and number of cards reporting.

---

lol

Stay away from that AOD Cult! They're running wild all day and night over in the Card Approvals section, spreading their 'Truth'.

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😂 you're a treasure, @Anonymous 

I'm staying away from apps altogether. 

I've overdone it, so maximum application  penance and repentance in full force. 

[sjt]

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@Anonymous wrote:

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@Remedios wrote:

There is a weird gain on TU when AAoA reaches 9 months 😐 but not on the other two 

Yes, you mentioned that before in a thread about AoYA 6mo score gains.

I started a thread about this TU score gain here: TU 8 +7 at AoYA 5mo, AAoA 9mo, AoOA 1yr 5mo 

And it happened again, 9 months later at AAoA 1yr 6mo!: TU 8 up +7pts at AoYA 1yr 2mo, AAoA 1yr 6mo, AoOA 2yr 2mo 

There's that (Age mod 3 = 0 ) thing again....AAoA is a multiple of 3, the others are not.

At that time, I was always at AZEO (i was a cult member prior to reprogramming), and there were no changes in utilization and number of cards reporting.

---

lol

Stay away from that AOD Cult! They're running wild all day and night over in the Card Approvals section, spreading their 'Truth'.

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What's AOD.

[Anonymous]

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@sjt wrote:

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@Anonymous wrote:

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Stay away from that AOD Cult! They're running wild all day and night over in the Card Approvals section, spreading their 'Truth'.

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What's AOD.

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This credit union that is offering a Visa card with 3% cashback on all purchases. https://www.aodfcu.com/

Be careful...lol

The Anniston Tidal Wave…AOD FCU Approvals Thread

The AOD Approval Train Chugs Along!!!

[sjt]

Thanks @Anonymous 

Im staying away!

[CreditCuriosity]

Locked this thread.  OP was a new contributor meaning hasn't been around long.  Moderators usually frown about "Master" type threads of any type unless ran by us or admins as people usually leave in time and information becomes obsolete or there is inaccurate information in these threads, etc.