Highest AoYA threshold?

[Anonymous]

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@Anonymous wrote:

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@AnonymousI am very curious about the accuracy of the myfico simulator in regards to account aging. I am not sure if I want it to be accurate or not. It only predicted 5 increases total between the three bureaus over the next 2 years for me. The first test will be next month when it predicted +5 on EQ. The other increases were in 11/18, 5/19, 11/19, and 12/19. I have gained points for aging in May, November, and December in the past so it doesn't seem completely implossible to me. However, I will probably add some more accounts before waiting for all of these increases to occur and that will change when the AoYA and AAoA thresholds are crossed.

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Please read my last post above yours.  That's all you need to know regarding simulators.

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I started another CCT trial today to check the accuracy of the myfico simulator in regards to simple account aging.

No changes in reported balances since my fico 8 scores were last pulled on 4/23.

My Equifax score increased 4 points and my Experian score increased 2 points.

I believe the increases are due to my AAoA hitting 5.5 years today if all aging occurs on the 1st of the month. 

I will give the myfico simulator a C grade for simple account aging. It was off by 1 point on Equifax and did not predict the increase on Experian. The CCT simulator had previously agreed with the myfico simulator regarding timing and point gains for Experian account aging. It now shows the next increase on Experian due to aging occurring in 24 months, and no increase in May 2019. I do not have an active myfico subscription to see what that simulator predicts now. I think I will go back to ignoring the simulators and just hope for increases when my AAoA, AoOA, AoYA hit half and full year increments. 

If my scores behave differently in the near future I will update this thread again, but for now I believe the small increases were entirely due to aging. 

[Anonymous]

Thanks for chiming in on a potential 5.5 year AAoA threshold.  Definitely good information there!

Simulators are indeed a waste of time the majority of the time.  Talking things out in a thread on this forum will give you a much better idea of what may happen to your scores if you do X or if Y happens over what a simple simulator spits out. 

[Meanmchine]

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@Thomas_Thumb wrote:

See paste below. It looks like 3 months can significantly impact score. I suspect the main factor is "too many accounts recently opened". If a group of youngest accounts are close together due to a spree, significant score boosts have been noted when "spree accounts" are the youngest ones on file). 

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I know Im reviving a sleepy thread but I do have a question and a DP concerning AoYA. First the DP

On 6/8/2018 I opened 3 new accounts reseting my AoYA to 0. Prior to that, my AoYA was 14 months. I took my score hits but so far, no movement upwards at the 3 month mark.  Clean file 2% util

Now the question ....

When moving from 11 months to 12 months AoYA, is it possible to receive a score  increase on one file and have no movement at all on another?  If so, what could cause that ( all files basically identical except for inquiries )

Thankyou

[Anonymous]

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@Meanmchine

When moving from 11 months to 12 months AoYA, is it possible to receive a score  increase on one file and have no movement at all on another?  If so, what could cause that

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I'm sure Rev is more qualified to speak on his file than I am, but I believe the presence of a 30 day late payment on TU had his TU score topped out for the bucket he was in (or something similar) so when his AoYA hit 12 months his TU score did not increase, but his EX/EQ scores did.

[Meanmchine]

I wasnt refering to Rev

My question is simply meant in the generic

[Meanmchine]

OK, I lied, I have another question

Is  the score bump you receive at 1 year the same amount  if the account in question  is a credit card or an installment loan?

[Anonymous]

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I wasnt refering to Rev

My question is simply meant in the generic

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Right, but Rev has experienced exactly what you're inquiring about... so, again, he'd be the best person to ask.

[Anonymous]

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@MeanmchineOK, I lied, I have another question

Is  the score bump you receive at 1 year the same amount  if the account in question  is a credit card or an installment loan?

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Not necessarily.  I think TT may have an opinion on this, as he's stated that installment loans and revolvers may be treated differently in this situation.