Is 3 years a threshold in AAoA?

[SouthJamaica]

I was wondering if 3 years is a benchmark in average age of accounts. My AAoA just slipped back up to 3 years on 2 of my 3 bureaus, but there is so much other stuff going on with my profile I can't tell if I got any mileage out of hitting the 3 year mark, and if so how much.

[Anonymous]

Did you see a score increase on those 2B relative to the third?

[SouthJamaica]

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@Anonymous wrote:

Did you see a score increase on those 2B relative to the third?

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There's too much going on in my profile right now to be able to isolate anything.

[Anonymous]

I use CCT and on December 31st, my EX report showed an AAoA of 2.9 years and a score of 732. On January 1st, my EX report showed an AAoA of 3 years and my score went up by 2 points to 734 EX FICO 8.

[Anonymous]

There may be a few points at each year anniversary for age. But I think many on here have seen the biggest point adds form 1, 2, 5, 7, and 7.6. Don’t ask me why lol. Just what many data points have lead people smarter than me to believe. 

[Anonymous]

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@Anonymous wrote:

I use CCT and on December 31st, my EX report showed an AAoA of 2.9 years and a score of 732. On January 1st, my EX report showed an AAoA of 3 years and my score went up by 2 points to 734 EX FICO 8.

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I wouldn't think that 2 points would constitute an AAoA threshold crossing, as those 2 points could have come from anything else like an inquiry aging, new account(s) aging, baddie(s) aging, etc.  I would think a true threshold crossing would result in > 2 points, but you never know as these things can be very profile-specific.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I use CCT and on December 31st, my EX report showed an AAoA of 2.9 years and a score of 732. On January 1st, my EX report showed an AAoA of 3 years and my score went up by 2 points to 734 EX FICO 8.

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I wouldn't think that 2 points would constitute an AAoA threshold crossing, as those 2 points could have come from anything else like an inquiry aging, new account(s) aging, baddie(s) aging, etc.  I would think a true threshold crossing would result in > 2 points, but you never know as these things can be very profile-specific.

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An inquiry did age to 1 year and my score went up 5 points to 739 EX on January 3rd. My new account maybe? Cap1 is only card I have for a about 8 months now. No baddies. I was definitely hoping for a more substantial bump myself at 3 years AAoA.

[SouthJamaica]

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@Anonymous wrote:

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@Anonymous wrote:

I use CCT and on December 31st, my EX report showed an AAoA of 2.9 years and a score of 732. On January 1st, my EX report showed an AAoA of 3 years and my score went up by 2 points to 734 EX FICO 8.

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I wouldn't think that 2 points would constitute an AAoA threshold crossing, as those 2 points could have come from anything else like an inquiry aging, new account(s) aging, baddie(s) aging, etc.  I would think a true threshold crossing would result in > 2 points, but you never know as these things can be very profile-specific.

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Agreed. 5 or 10 points minimum would make it significant.

I have a gut feeling that it did prop me up 5 to 10 points, but I can't tell because of everything else going on at the moment.

[Revelate]

It wasn't for me.

Went across, spreed back down under it, went across again... 0 points every single time.

FWIW the 2 year mark wasn't a big deal for me on a dirty scorecard, but I did see a change +/- 3 points doing this same method.