Is there a score boost when AOYA reaches 6 months?

[Anonymous]

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@Revelate wrote:

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Unless there's breakpoints > 12 months.

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Could be, but I saw nothing at hitting 24 months across all 28 of my FICO scores.  It would be somewhat surprising to me if there are breakpoints between 13 and 23 months since there's seemingly nothing at 24 months.  I know on some (very few) the reason code can remain until AoYA of 5 years, but those aren't the models being referenced here for the sake of this discussion really.

[Anonymous]

But it exists longer on which algorithms? I remember TT making reference to an industry option that lasted five years, I think.

And I don’t know about anybody else, but I’m pretty sure about my 60, 66, 72 and 78 month finds, but they’re only two or three points apiece so it makes sense. I didn’t get them on the first of the months, so conflation just is not a possibility. When you get there, you’ll give the gold standard seal of approval as you did for 60, Im sure. 😉

[Anonymous]

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@Anonymous wrote:
But it exists longer on which algorithms?

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TT has referenced a couple of them in the past, but they escape my mind at the moment.

[Revelate]

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@Anonymous wrote:
But it exists longer on which algorithms? I remember TT making reference to an industry option that lasted five years, I think.

And I don’t know about anybody else, but I’m pretty sure about my 60, 66, 72 and 78 month finds, but they’re only two or three points apiece so it makes sense. I didn’t get them on the first of the months, so conflation just is not a possibility. When you get there, you’ll give the gold standard seal of approval as you did for 60, Im sure. 😉

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Yeah, I'm pretty good at pulling my EX daily now, and I will absolutely be looking at all last day / first days of every month that much is pretty easy to track.

I don't know that it's going to be quite as awesome as the 60 month find cause reason codes changing along with scores are unarguable, but I doubt that's going to happen with most changes.  Really the salient thing is just going to be not conflating AOYA / AOOA with them, I don't want to keep opening accounts to really confirm them but meh, will do what I can.

[Anonymous]

I don’t think we will have a problem mistaking it with AooA because that’s going to be a significant shift across all scores due to the re-bucketing. That’s not going to be a two or three point event. Likewise I have yet to see an award from AoYA that small.

AAoA seems to be small awards given at intervals, AooA will be a one time event, AoYA is larger and with very few awards it appears.

I don’t think it will be that difficult to discriminate.

[Anonymous]

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@Anonymous wrote:

I don’t think it will be that difficult to discriminate.

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Unless the thresholds for the different age of accounts factors match at certain point or points... if two of them result in score changes at the same time, that could confuse things a bit.

[Anonymous]

To you be honest with you, I do not believe AooA and AAOA will ever intersect; however you are correct AoYA could intersect with either one. However, lucky for us, we can always keep tabs on AoYA and know if it’s out of the ordinary, which would indicate something of the sort you describe.....So I think we would see a smoking gun that would be pretty obvious in my opinion.

[Aspireto850]

@Bees18,

A bit too lazy to read all the other posts to see if this comment has been made so pardon the duplication if so. On Experian credit monitoring it highlights two specific timeframes for possible score improvements:

• On time bill payments: 3 consectuve months
• 7 months since most recent delinquency
• 7 months of aging from most recently opened accounts
• AAoA seems to be every 3 months

[Anonymous]

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@Anonymous wrote:
 However, lucky for us, we can always keep tabs on AoYA and know if it’s out of the ordinary, which would indicate something of the sort you describe.....So I think we would see a smoking gun that would be pretty obvious in my opinion.

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What I mean is that based on the time an account opens, AoYA could follow potential AAoA threshold points.  For example, a new account is opened and AoYA is 0 months.  At that time AAoA drops to 72 months.  At the time AoYA hits 6 months, AAoA would hit 78 months, a documented theshold point.  At the time AoYA hits 12 months, AAoA reaches 84 months, another potential threshold point.  Based on timing all I'm saying is that there's a chance like in the example illustrated above that there would be multiple age of accounts variables changing at the same time, making clean data points from any one of them difficult or impossible to quantify.

[Anonymous]

I totally understood what you meant BBS and you have a point. But what I’m saying is if we know those thresholds and we establish these profile averages, we will know when it’s conflated because it will be more or less than the average score change/at a threshold.

Nothing is ever going to be perfect, but we’ve just got to do the best we can and I think we will notice it whenever it’s out of the ordinary or at a obvious threshold.