Is 5 Years an AAoA Threshold?

[atarvuzdar]

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@Anonymous wrote:

For the sake of your scores, though, I'm rooting for you to determine that one or both is in fact a threshold

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Thank you, I appreciate that! I'm hoping so, too, LOL. I'm hanging onto the thought that passing 5 yrs might net me a score increase so I maintain self control and stay in the garden.

[atarvuzdar]

Hey all, just thought I'd give an update. I'm now @ 5 yrs AAoA as of April 2018. Pulled a new report and it doesn't look like 5 yrs AAoA is a threshold, at least for me. EQ and TU are the same as last month, EX increased 1 pt. I also had AoOA hit 14 yrs at the same time, and my third youngest CC passed the 2 yr old mark (not that I would've expected that to do anything--just including it here for completism).

[Anonymous]

Thanks for the data update here regarding 5 years AAoA and 14 years AoOA. 

I recently crossed 17 years AoOA and 7 years AAoA on TU and EQ and saw no gain to either of those scores.

Maybe AAoA thresholds are at the even-year points, meaning 2 years are binned together?  For example, 2.0-3.9, 4.0-5.9?

[Anonymous]

My Experian score increased 26 points on April 1. These were the only changes that occurred from March 31 to April 1:

• AAoA went from 4 years 11 months to 5 years
• "Age of oldest account" went from 11 years 2 months to 11 years 3 months
• "Latest open account" went from 11 months to 1 year

Everything else was unchanged (account balances, loan amounts, credit limits, etc.).

So was my increase due to getting to AAoA of 5 years? Or was it one of the other factors? Or a combination of all? I guess it's hard if not impossible to say...

[Thomas_Thumb]

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@Anonymouswrote:

My Experian score increased 26 points on April 1. These were the only changes that occurred from March 31 to April 1:

• AAoA went from 4 years 11 months to 5 years
• "Age of oldest account" went from 11 years 2 months to 11 years 3 months
• "Latest open account" went from 11 months to 1 year

Everything else was unchanged (account balances, loan amounts, credit limits, etc.).

So was my increase due to getting to AAoA of 5 years? Or was it one of the other factors? Or a combination of all? I guess it's hard if not impossible to say...

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^ Age of youngest account reaching 1 year is an influential milestone. 

[Anonymous]

snu, are you talking your EX 08 score here?  If so, what was it before the 26 point jump?  Is your file clean?

My AoYA will be crossing from 11 months to 12 months in less than 4 weeks and I'm trying to gauge what my potential score increase could be.

[Anonymous]

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@Thomas_Thumb

^ Age of youngest account reaching 1 year is an influential milestone. 

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TT, do you think it's possible to gain 26 points from that single event?  I suppose with rebucketing it's possible?  I always thought it would be around a 10 point gain, profile-specific of course, but 26 points is quite a bit.

[Thomas_Thumb]

The OP crossed 1 year AoYA and 5 years AAoA. The 1 year AoYA is more influential and may have placed the OP on a different scorecard. It is doubtful that crossing 1 year AoYA always results in a scorecard re-assignment. However, depending on other profile characteristics (such as AAoA) it may have prompted a scorecard change for the OP's file.

Certainly other things may be going on that have not come to light yet.

[Anonymous]

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@atarvuzdarwrote:

@Anonymous all, just thought I'd give an update. I'm now @ 5 yrs AAoA as of April 2018. Pulled a new report and it doesn't look like 5 yrs AAoA is a threshold, at least for me. EQ and TU are the same as last month, EX increased 1 pt. I also had AoOA hit 14 yrs at the same time, and my third youngest CC passed the 2 yr old mark (not that I would've expected that to do anything--just including it here for completism).

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Thanks for the update. I had a similar experience when my AAoA reached 5 years. EX increased 1 pt and no increase on EQ or TU.

[Anonymous]

Sounds like more data above suggesting that a 5 year AAoA threshold does not exist.

I'm actually quite interested in the gain associated with the AoYA hitting 12 months and am going to start a thread on this now looking for data points.  If you'd like to stop in just to add your data point it would be cool.