FICO8 Experian +4 increase...why?

[Anonymous]

FICO8 Experian reported a +4 increase today. Not sure I fully understand why, so these data points of the only things I saw change in my report may be interesting to someone.

Changes between October 31 and November 1:

• AAoA: went from 4yr6mo to 4yr7mo
• Oldest account age: went from 10yr9mo to 10yr10mo
• Latest open account age: went from 6mo to 7mo
• Auto loan #1
  • LTV ratio went from 38.55% to 36.65%
  • Payment history went from 36mo to 37mo
• Auto loan #2
  • LTV ratio went from 92.81% to 91.35%
  • Payment history went from 6mo to 7mo

My theory is the point increase was caused by the +1month on account aging. But I know there are some open questions about how loan ratios and loan aging can affect scoring, so I'd be interesting to hear other thoughts.

[Anonymous]

I would say it's age of accounts related, as a 4 point gain is quite insignificant.  Crossing loan/revolver thresholds and such usually result in more than 4 point changes, so I'm going to go with AoA.  It also very well could have to do with scoreable inquiries aging, as you stated you have at least one account that's 6-7 months old.