Lowest AoOA with an 850 score?

[EW800]

BBS,  

My oldest account at the moment is 36 years, 8 months.  I know, I am older than dirt...  It is a B of A account that I got when very young and have kept it around.   As you know, I have had 850 on all three FICO 8's and all three FICO 9's for about three months now, so that would have made it 36 years, 5 months for me.  

Hope this helps.  Thanks!  

[EW800]

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@zerofire wrote:

What you are asking for is a near impossibility. A person to get 850 of 850 is a perfect score that happens only for fractions of a second and only for a select few that are aiming for it. Sounds to me like you are asking for a hail mary.

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I respectfully do not completely agree.  Perfect scores can be held for a period of time.  While I agree that if the wind so much as blows in a wrong direction there could be a decline, however if a person maintains what they were doing to get 850's across the board, it really is pretty easy.  In my case, I have 850 FICO 8's and 850 FICO 9's on all three CB's (some have called this a 6-pack?).  I have held them there for three months straight and counting.  I have done it by not opening any new accounts, keeping Util at about $20, and just the one small balance on one revolving account and an open car loan that is sitting at about 2% Util.  I am pretty sure that I could even add one Inq and still hold the 850's, as two of the CB's had an Inq showing that has since fallen off, but I even had the 850's with the Inq showing.  I am pretty sure that as long as I don't open any new accounts and I keep the car loan open (it is paid a few years in advance and just sitting there), then I should be able to maintain the 850's.  Now if I miss a payment at some point, that is a whole other story...    

[Anonymous]

Jaime123 Sounds like you have a pretty file. Impediment I see is you may leave points on the table with the mortgage. Because unless you pay it down, it will not be in the ideal range (<8.9% B/L). The car loan will be closed by then and not part of the equation.

The main thing is do not open any new accounts. Utilization is irrelevant until that time or until your testing because it is time oriented. Same thing with number of accounts. So when you’re ready to see your optimal score, implement AZEO and have only one account report a balance and you will see what your highest score is at that point. You don’t have to live by that on a daily basis, imo.

You definitely may have a shot getting it with the lowest possible AooA. Keep in mind we don’t know what the lowest possible is, but I would love to see you make history!

[Anonymous]

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@zerofire wrote:

What you are asking for is a near impossibility. A person to get 850 of 850 is a perfect score that happens only for fractions of a second and only for a select few that are aiming for it. Sounds to me like you are asking for a hail mary.

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Not true at all.  Just look at the [limited] list of names I provided at the end of Post 1; It can and has happened for many.  My EX 8 has been pinned at 850 for over a year now.  Since EX for me is bulletproof to number of accounts with balances and I can go all the way up to 100% of them with balances and my score doesn't shift, the only way I'll actually lose the 850 is if/when I app for credit again. 

[Anonymous]

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@Anonymous wrote:
BBS She had an 846 with, according to YOU BBS, a AooA ~14 years. This was non-AZEO, with a non optimized loan. You know she cd have gained 4 points from either BBS. This is in your thread from a year ago.

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You may be right, but I'm not after could haves.  As Rev and others pointed out on the previous page, you really never know as every profile is different and plateaus/ceilings are hit in odd spots for some people.  Using my previous post as a reference, there are people that see no score gain in going to AZEO.  There are some people that significant gains from loan optimization, where some don't.  That's why I'm after concrete 850 scores, as it leaves no room for what ifs.  If my Aunt had nuts she'd be my Uncle  

[Anonymous]

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@calyx wrote:

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I don't think we'll ever get an answer either...

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We're not really looking for "an answer" here.  There's not going to be a magicial threshold that's discovered any time soon where we can say that under all circumstances X years and Y months AoOA is the minimum AoOA required for an 850 FICO 8 score.  What we can do is hope to hear from individuals that are lower than what we typically see (say 17-18 years) to determine that lower minimum requirement exists.  That's all I'm really looking for and not expecting a great "ah-ha" moment to happen or anything. 

[Anonymous]

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@jamie123 wrote:

I think that I might be able to hit 850 in another 3 years when my AoOA is 10 years old.

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As of now, I don't see that happening when I'm still looking for someone in the (say) 12-14 year range AoOA wise report an 850.  It would be fantastic though if I were wrong about that.  There are seriously diminishing score returns when you're getting to those last points.  Just look at how quick someone can get to 750 score (some people start with FICO scores almost that good) then it takes 1-2 years tops to grab 50+ points to 800, then how many years to get to 825?  835?  840?  etc.  It typically takes longer and longer with diminishing returns to squeeze out those last handful of points and many times the reason comes down to either AAoA or AoOA.

[SouthJamaica]

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@jamie123 wrote:

I think that I might be able to hit 850 in another 3 years when my AoOA is 10 years old. I don't know, tell me what you think.

I started out rebuilding my credit 7 years ago. At that time I had zero credit history because I had used cash/debit for more than 10 years. I did however have some really terrible baddies. I had a foreclosure, a Federal tax lien and 2 State tax liens on my reports. I couldn't generate a score until my first secured CC was 3 months old back in 2012.

My credit reports show:

• Oldest credit is a secured Cap1 from April 2012 and is still active
• Ten total active credit cards
• Newest credit card is 2 years 4 months old
• Average Age of Accounts is 4 years 8 months
• Mortgage is 2 years 4 months old
• 60 month auto loan is 2 years 11 months old
• 2 closed SSLs
• 1 closed CC

Reporting:

• 2 credit cards slightly over 30% of each card's credit line
• 7 of 10 cards reporting balances
• 7% UTI across all credit cards
• $163K total credit lines across all cards
• Mortgage = Good
• Auto Loan = Good
• No baddies at all. Clean Reports

My TU score recently hit 819 with the reports detailed above. I'm thinking that when I have AZEO in effect and 3 more years of age that I have a good shot at 850. My oldest credit at that point will be 10 years 1 month and my AAoA will be 7 years 8 months.

I think that I have hit all the buttons to a great score but it just comes down to age now.

What are your thoughts? Anything else that I should be doing?

Think that I have a shot at 850 when my oldest card turns 10 years old?

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Yes I do, if you don't apply for any more credit until you get to 850.

[Anonymous]

BBS, Definitely agree, we'll never know for sure. I don't like could haves either, but I wasn't here a year ago to ask.

I also see some ppl seem to cap out. I'd argue that if someone doesn't see a gain from AZEO, they are capped/maxed or lack enough cards. But she was not optimized at all. I wish we could follow up on her and the other. Hey maybe we will get lucky and get some DPs.

@Octopus I don't; no way to be sure.

[Revelate]

I suspect either Jamie or I might be the tribute as posted earlier, though I have been known to pull the trigger on a good sub I don’t really see anything out there worthwhile currently.

FICO 8 clean I think new accounts are basically done at a year and certainly inquiries are, think besides age, installment utilization (unless mortgage is excluded which I kinda doubt under FICO 8 then it is happy fun time with my auto loan) and my CFA on Experian.

Might actually be over 830 in a few months, AOYA testing yay!