Has anyone noticed anomalies with FICO 5,4,2 recently?

[Anonymous]

Two weeks ago sounds suspiciously like the first.

[Trudy]

AAoA, but doing the math should the threshold be AAoRA it went from 13y9m to 13y6m.

[Anonymous]

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@Trudy wrote:

AAoA, but doing the math should the threshold be AAoRA it went from 13y9m to 13y6m.

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@Trudy then it should be quite easy to tell if it is AAoRA. When will we know the first of next month?

i've never heard of An AAoA threshold that wasn't on a year or half year. Not saying they don't exist but..

[Trudy]

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@Anonymous wrote:

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@Trudy wrote:

AAoA, but doing the math should the threshold be AAoRA it went from 13y9m to 13y6m.

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@Trudy then it should be quite easy to tell if it is AAoRA. When will we know the first of next month?

Not sure what this means, please explain.  But regardless not sure I'd be able to determine due to other factors (?):

Questioning raw dollars / % and the next report for that 1 & only expected revolver which will go from $5543 to $3590'ish and UTL 27.72% to 17.85% IND / 5.84% to 3.76% AGG.

i've never heard of An AAoA threshold that wasn't on a year or half year. Not saying they don't exist but..

Based on postings, me either.  But that was all that changed in an off cycle period and impacted my "2" scores only.  Didn't have other bureau scores on that day.

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[Anonymous]

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@Trudy wrote:

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@Anonymous wrote:

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@Trudy wrote:

AAoA, but doing the math should the threshold be AAoRA it went from 13y9m to 13y6m.

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@Trudy then it should be quite easy to tell if it is AAoRA. When will we know the first of next month?

Not sure what this means, please explain.  But regardless not sure I'd be able to determine due to other factors (?):

Questioning raw dollars / % and the next report for that 1 & only expected revolver which will go from $5543 to $3590'ish and UTL 27.72% to 17.85% IND / 5.84% to 3.76% AGG.

i've never heard of An AAoA threshold that wasn't on a year or half year. Not saying they don't exist but..

Based on postings, me either.  But that was all that changed in an off cycle period and impacted my "2" scores only.  Didn't have other bureau scores on that day.

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@Trudy What I mean is you went down to 13 years 6 months AAoRA. When was that? Because the following month it would increase by one month to 13 years 7 months. If you got the points back on the first of the following month we know that's where they came from. Or is that when the scorecard reassignment is due so all bets are off?

yes that is awesome that you arr testing raw dollars, we need that. Have you determined there is no 4% aggregate threshold on your scorecard? 

Yeah that's why I'm thinking it was AAoRA because that fell on a six month threshold. 

[Anonymous]

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@Trudy wrote:

Didn't warrant any where close to a 70pt difference but there seems to be an AAoA threshold between 11y8m and 11y11m.  @Anonymous and I went back and forth several months ago trying to determine why all of my EX2 scores dropped (5-7pt).  With all of my accounts reporting between a specific time frame this was odd as I could not find a change and it was not during that reporting period.  Eventually realized I had an old closed account fall off EX which dropped my AAoA by a 3 months.

Just something else to remind us that the 5,4,2's (at least 2's for this example) may respond differently to changes.  Thought I'd share my experience.

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@Trudy:    In the original thread   you and @Anonymous  decided that the drop was probably due to  number of accounts with balance rather than an age metric.

[Anonymous]

Not sure when it occurred, but I noticed it on the 11th. My AoOA has been consistent from report to report growing by one month each time I pull. If it was that, I don't think it would warrant a 70 pt drop though. 

[SouthJamaica]

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@Anonymous wrote:

Not sure when it occurred, but I noticed it on the 11th. My AoOA has been consistent from report to report growing by one month each time I pull. If it was that, I don't think it would warrant a 70 pt drop though. 

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1. What were the AAoA (average age of accounts), AoOA (age of oldest account), and AoYA (age of newest account) in

(a) the September 11th report and (b) the August report?  (You can find these in the "ingredients" sections of your FICO 8 analysis).

2. What was the number of accounts in each of the 2 reports? (You can find this at the top left of the "credit data" page)

3. Are there any negative reason codes which appeared with the mortgage scores in the September 11th report that did not appear with the mortgage scores in the August report? (You can find these in the "analysis" of each mortgage score). If so, what are they?

[Trudy]

@Anonymous , you're right.  I did not update my notes after @Anonymous  diligence and coming to the conclusion  that it is likely due to the # of accts metric including closed accounts.  In addition, my math was wrong with AAoRA.  I should know better than to post after home happy hour 

[Anonymous]

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@Anonymous wrote:

Not sure when it occurred, but I noticed it on the 11th. My AoOA has been consistent from report to report growing by one month each time I pull. If it was that, I don't think it would warrant a 70 pt drop though. 

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@Anonymous Scorecard reassignment can cause 70 point changes; it depends on the profile and we know nothing about yours, can you please provide your profile stats and all of your aging metrics so we can help you solve this?