@Anonymous wrote:
ABCD, are those AoOA ranges that you provide in your chart concrete (actual) values, or are you just sort of shooting from the hip and estimating? Same thing with AoYA, are those ranges estimates? My AoYA crossing the 6 month mark had zero impact on any of my FICO 08 scores.
Perhaps something should be included about AAoA? While it isn't used in score card assignment, it's a big factor and one that maxes out I believe at 7 years and 8 months (max points).
Just data from my self-written analyzer based on a lot of weird disparate data from folks who have submitted 3B or 1B data to me over the past 6-7 months. The data is always "Here is last month's 1B+FICO8 and here is this month's 1B+FICO8" and my software tries to analyze it.
It's not correct, just what I've seen.
The new age penalty may be 6 full months so it may actually fall off at month 7. Remember that the penalty may not even be a penalty -- the new age penalty is just a scorecard, and if you switch from "new age scorecard 1" to "oldest account is 7 years scorecard" your score may or may not change necessarily.
The AAoA stuff I just don't have good data on but I will add it now.
Also the aggregate utilization is wrong -- there are a few more breakpoints for sure, probably at 18.9% as well as 38.9% (so 8.9, 18.9, 28.9, 38.9. 48.9, 68.9, 88.9, and overlimit). Just been seeing this on my own scores and 2 more where I have some solid data because those people have 2 different 3B monitoring services they send data to me from. Not sure if these breakpoints exist on individual utilization though.
