Is 5 Years an AAoA Threshold?

[Anonymous]

So it sounds like my AoYA going to 12 months was significant. My score went from 783 to 809 (a 26 point jump). But my AAoA and AoOA both increased as well, so the large point increase could be because of all 3 together?

Also, before the increase I had 3 helping reason codes and 1 hurting reason code. After the increase, I have 4 helping reason codes and no more hurting reason codes. Could this be an indicator that I was put into a different bucket, hence the large score increase?

[Anonymous]

Positive reason codes do not have any direct impact on score.  Negative reason codes do indicate factors that are holding your score back.  These factors only need to be holding your score back 1 single point to be present; they don't need to be major factors.  Many monitoring services exclude negative reason statements at certain score levels, most commonly 800.  At > 800, often you won't see negative reason statements, although they are still there, otherwise you'd be at 850

One source for negative reason statements is your Discover card.  If you apply for a CLI and get denied, when you received the denial letter on the back you'll have FICO negative reason codes present.  My score on my most recent denial letter was 840 (TU FICO 08) and I was provided with several negative reason codes to go along with it.

It's very possible that you were rebucketed with crossing the 12 month AoYA mark.  I do not believe that your AAoA and AoYA were factors here, but with FICO scoring and the algorithm secrets no one ever really knows...

[codefreak13]

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@Anonymouswrote:

So it sounds like my AoYA going to 12 months was significant. My score went from 783 to 809 (a 26 point jump). But my AAoA and AoOA both increased as well, so the large point increase could be because of all 3 together?

Also, before the increase I had 3 helping reason codes and 1 hurting reason code. After the increase, I have 4 helping reason codes and no more hurting reason codes. Could this be an indicator that I was put into a different bucket, hence the large score increase?

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What was the negative code that dropped off?

[Anonymous]

Reminder that the negative reason code didn't necessarily "drop off" it's just likely that with over an 800 score the CMS is omitting it.

Negative reason codes usually exist right up to a 848-849 score from what I've learned from TT, it's just that they aren't usually displayed from most sources.