Just hit 850 on TU8

[SleeplessinMA]

@WhatTickaWhat

Sweet!!!  Congratulations!!!  

[Peazmom]

Congrats to you!

[Anonymous]

Congratulations indeed! Thank you for proving an 850 can be hit with under 13.5 years AoOA and less than six years AOAA.

[Revelate]

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@Anonymous wrote:
Congratulations indeed! Thank you for proving an 850 can be hit with under 13.5 years AoOA and less than six years AOAA.

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Other than a possible breakpoint between my and the OP's file on AOOA:

• New accounts w/in the last year
• CFA
• Installment utilization over the higher breakpoint
• 2 inquiries

11 year 8 month AOOA and 5 year 4 month AAOA = 805.

I honestly thought I was close without some things like the CFA based on that 827 mark I hit earlier when I knew my installment utilization was badly mucked up, but this is a new record AFAIK.

[Anonymous]

I should revise my statement: At 13 years AoOA. I didn’t realize the screenshot was from December.

[Gmood1]

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@Anonymous wrote:

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@Revelate wrote:

Nice!

One question, what's your AAOA now?  Looks like everything else is there from a datapoint perspective (thank you for that).

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5 yr, 8 mo

Thanks everyone for the congrats!

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Yeah I'll never make it to 5 yrs AAoA. 😂😂😂😂😂😂

Congrats man! 

[M_Smart007]

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@Gmood1 wrote:

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@Anonymous wrote:

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@Revelate wrote:

Nice!

One question, what's your AAOA now?  Looks like everything else is there from a datapoint perspective (thank you for that).

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5 yr, 8 mo

Thanks everyone for the congrats!

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Yeah I'll never make it to 5 yrs AAoA. 😂😂😂😂😂😂

Congrats man! 

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I'm 1/2 way to 5 yr AAoA  

was probably over 8 at one point.

c'est la vie

[Anonymous]

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@Anonymous wrote:
I should revise my statement: At 13 years AoOA. I didn’t realize the screenshot was from December.

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Screenshot is from scoring on 1/11/20, although didnt update for a few days after.

The 12/11/19 is showing the previous score of 848

I think that is what you mean by december?

[Anonymous]

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@Revelate wrote:

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@Anonymous wrote:
Congratulations indeed! Thank you for proving an 850 can be hit with under 13.5 years AoOA and less than six years AOAA.

---

Other than a possible breakpoint between my and the OP's file on AOOA:

• New accounts w/in the last year
• CFA
• Installment utilization over the higher breakpoint
• 2 inquiries

11 year 8 month AOOA and 5 year 4 month AAOA = 805.

I honestly thought I was close without some things like the CFA based on that 827 mark I hit earlier when I knew my installment utilization was badly mucked up, but this is a new record AFAIK.

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This thread here talks about  AoOA 10-12 years, but not sure if anything is concrete.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Lowest-AoOA-with-an-850-score/m-p/5628455

[Anonymous]

Thank you for correcting me. So 13 years one month.