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Assuming you have a bunch of accts under 1 year old.
Not sure on the one year AAoA. There may be a 2 year or greater AAoA threshold.
There is points award when youngest revolving account hits 12 months.
I would recommend reading the below from Birdman7
General Scoring Primer and Version 8 Master Thread rev.5.17.20
@Knice86 wrote:Assuming you have a bunch of accts under 1 year old.
I posted a full report of 28 scores at AAoA 1yr here. The age of my entire credit profile was 1yr 8mo, so definitely a new-to-credit scorecard.
I had 2 open cards, both only 8mos old. Only 8 of 28 scores changed - it was most pronounced on the 3 EX 9 models.
"There is points award when youngest revolving account hits 12 months."
Wonder if I will ever see that?
@M_Smart007 wrote:
"There is points award when youngest revolving account hits 12 months."
Wonder if I will ever see that?
@M_Smart007 You have ~11 months to go if you decide there aren't any SUBs to your liking.
@AllZero wrote:
@M_Smart007 wrote:
"There is points award when youngest revolving account hits 12 months."
Wonder if I will ever see that?
@M_Smart007 You have ~11 months to go if you decide there aren't any SUBs to your liking.
Never have I been a "Churner" .. might have to start![]()
I just checked my notes, and there was no change in my Fico8 score when my AAoA crossed 1 year (this past February).
ETA - I did see increases in my auto and bank card scores though. Oldest account was 1 year 9 months. Tracking only done through Experian.