Looking for 2 more points UPDATE

[Meanmchine]

BTW, EQ is really 837. Its been 11 days since the score changed but myFICO hasnt reported it yet

[Anonymous]

OK let me ask you a question. You said you didn’t have any luck with AZEO. Which card were you using for your AZEO card? I’d be willing to bet it was one of those retail cards wasn’t it?

If so would you please try it with a national bank card, NOT a credit union card, NOT a retail card, and NOT one with a CL >$25,000?

[Anonymous]

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@Anonymous wrote:

@BBS we may have someone with the 850 under 14 years very soon!

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That would be very cool.  Looking forward to seeing if MM can make it happen.

[SouthJamaica]

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@Meanmchine wrote:

My TU is  848 and Im trying to figure out if 850 is possible without having to wait a year or so.  My AAoA is 5y 9m.  Will turning AAoA 6 years, would this result in a score gain?  AooA 13y 5m. TUtil <1%

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Wow, it's rare to see someone so close to 850 with so young an average age of accounts. I'm sure that's the attribute holding you back, so...  patience. Maybe 6 years will be your lucky charm, maybe not. But either way please do report back to us.

[Anonymous]

Agreed on the AAoA.  I think it's 50/50 on whether or not he gets there when reaching 72 months or 78 months.  BM saw a gain of a few points at 72 months and I did at 78 months, so I'd imagine that MM will see a gain at one or the other... so he could be there in 3 months or 9 months, depending.

[Meanmchine]

When I tried AZEO, the balance account was either PP xtra MC or it was Discover.

Right now my balaces are on SGV $900 and WS Visa $400 (0% til 12/20)

I have a Visa card that ages 5 years old in a couple days? Any hope there for a point or 2 for that

[SouthJamaica]

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@Meanmchine wrote:

When I tried AZEO, the balance account was either PP xtra MC or it was Discover.

Right now my balaces are on SGV $900 and WS Visa $400 (0% til 12/20)

I have a Visa card that ages 5 years old in a couple days? Any hope there for a point or 2 for that

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No, the age of any particular account, which is not your oldest account, would not have any scoring effect.

[Meanmchine]

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@Anonymous wrote:

Understood.  Any other old accounts falling off any time soon?

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Had to look.  I didnt want to but I did

I have 2 13 year old credit card accounts due to age off 4/14/2020

I got 10 months to get to 850 if I can make it.

[HighAchiever]

Nice numbers you got there!!!   

[Anonymous]

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@Meanmchine wrote:

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I have 2 13 year old credit card accounts due to age off 4/14/2020

I got 10 months to get to 850 if I can make it.

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If you don't get there at 72 months you will at 78 months, no doubt about it in my mind.  If either one is a threshold on your profile it should be good for 2-5 points, so definitely the 2 that you're looking for. 

I'm not sure how thick your file is.  If you compute your AAoA without those 2 accounts that are 13 years old included, what does your AAoA drop to?  If you hit 850 at 72 months AAoA, you'll build up another 7 months of buffer before you hit the loss associated with those 2 older accounts dropping off.  If your file is thick, it could absorb that loss and you could still be at 72 months or greater.  If not, I'd imagine that you'd only be a little shy of the 72 months and would reach it again within a few months give or take.