Lowest AoOA with an 850 score?

[Anonymous]

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@Anonymous wrote:

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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. 

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Well said, this is the point I was trying to make. Nice to know you can go with 100% balances reporting while maintaining 850, I've never tried that. I usually have anywhere from 30-50% accounts reporting . It seems AZEO is no longer needed once a score hits 850 so I'm curious to know if anyone lost 850 by simply not following AZEO. 

It would also be interesting if you can create another data point thread for longest age sustaining FICO-8 850. Maybe call it AoPS (Age of Perfect Score), and additionally ask respondents to state if they practice AZEO, if not percentage of accounts reporting. 

[Anonymous]

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@Anonymous wrote:

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.

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Well in my case, I performed that test when my EX score was at 847, so I eliminated the variable of being capped or FICO 8 buffer diluting response.  On EX I had 8 revolvers, which I think would have been more than adequate to produce a shift in going from 1 revolver with a balance to all of them if on my profile it mattered.  I know others have reported this same thing, lack of score movement on FICO 8 related to number of accounts with balances, but I'm 99% sure the bureau referenced has always been EX.

[Anonymous]

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@Anonymous wrote:

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It seems AZEO is no longer needed once a score hits 850 so I'm curious to know if anyone lost 850 by simply not following AZEO. 

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I lose 850 on TU/EQ if I go away from AZEO.  With 3 accounts with balances I lose it on EQ, with 4 accounts with balances I lose it on TU.  EX is the only bureau for me where I don't see movement and as stated in my previous post I'm certain that it's not buffer-related.  With TU/EQ however I will need to continue to age/"optimize" my file in order to achieve enough buffer on those 850 scores to allow them to maintain 850 when going to more accounts with balances.

[Anonymous]

BBS, Yeah, 8 is way more than adequate for classic 8. Question: How do you know it wasn't capped? Did you affirmatively do something to lose points, like increase utilization during the test to artificially lower score to ensure a cap could not prevent a gain?

[Anonymous]

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@Anonymous wrote:
BBS, Yeah, 8 is way more than adequate for classic 8. Question: How do you know it wasn't capped? Did you affirmatively do something to lose points, like increase utilization during the test to artificially lower score to ensure a cap could not prevent a gain?

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By saying I know I wasn't capped I simply meant that at the time when at AZEO I was not able to reach 850; I was at 847 as a "best score" a few months before age of accounts allowed me to hit 850.  So, going from AZEO and an 847 score to all 8 revolvers with a balance should have dropped my EX8 score if number of accounts with a balance mattered on the bureau to me.  I of course then reversed the test, dropping all accounts back to $0 reported balances except one.  Since then my score has gone to 850, so doing that test now would be useless. 

[Revelate]

BBS didn’t you state in another thread that you racked up balances in order to step off 850 for testing or was that on a different bureau?

I don’t know I find the concept of accounts with balances (or revolvers) not producing any scoreshifts suspect personally but I don’t believe I have been on your individual scorecard on EX previously.

[Anonymous]

BBS, I don't know and I'm asking, but why couldn't you have been caped at 847, since you plainly said you couldn't get higher? And why couldn't a buffer have been active?
For example, let's say because of whatever variables, like age, the bucket topped at 847 but still allowed an internal buffer? Then, you may have had the buffer interfere. Do we know exactly how the buffer works? Couldn't it work at the cap?

For example, some ppl on a dirty sheet, top out below 850, but doesn't the buffer apply? If this is the case, the only way to know woulve been to artificially lower your score (via util or whatever) so you know any point changes would be visible.

I may be way off, just brainstorming, thoughts?

[Anonymous]

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@Revelate wrote:
BBS didn’t you state in another thread that you racked up balances in order to step off 850 for testing or was that on a different bureau?

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I did that for my 28 FICO score pulls both pre/post AoYA of 24 months.  Since EX8 is bulletproof for me regarding number of accounts with a balance, I was at 850 the entire time.  The only other 2 scores on EX that didn't move were Auto 8 and Score 3.

[Anonymous]

BM, I'm not sure about a cap/buffer at 847 that was limited due to AAoA or AoOA clicking up another notch.  Possible I suppose, but not something I would think would be up to 15 points or whatever was lost on TU/EQ.  Then with the tick up to 850, I would think that would be a while new set of "rules" regarding a cap/buffer.  It would just seem odd to me that the score would stay steady at both points, but who knows right?

[Thomas_Thumb]

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@EW800 wrote:

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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...    

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Agree - 850 is not that hard to maintain based on my experience and an 850 can be held for very long periods of time. I don't practice AZEO or single digit card utilizations. First saw a Fico 8, 850 back in Jan 2014 and have had 850 six packs on every 3B pull but one since Fico 9 became available in early 2016. Only TU Fico 8 has ever dipped below 850. My # cards reporting has varied between 2 or 6 and 6 of 6. Most typical is 4 of 6 reporting. I have not pulled a 3B since 2018 but, continue to see 850s through Discover (TU Fico 8), Amex (EX Fico 8) and Wells Fargo (EX Fico 9). No free access to EQ Fico 8.

Fico Model	Feb-16	Mar-16	Jul-16	Aug-16	Oct-16	Mar-17	Apr-18
EQ Fico 09	850	850	850	850	850	850	850
EQ Fico 08	850	850	850	850	850	850	850
TU Fico 09	850	850	850	850	850	850	850
TU Fico 08	850	850	850	850	845	850	850
EX Fico 09	850	850	850	850	850	850	850
EX Fico 08	850	850	850	850	850	850	850

I suspect the key thing for stability (on Fico 8 and Fico 9) is no new accounts. My last new account was 2011. Of course, aggregate UT% needs to be kept low regardless of scorecard/profile. My current AAoA is approximately 19 years with AoOA at 35 years. As mentioned in other threads, I see score swings in the older Classic Fico 04 and Fico 98 models depending on # cards reporting. The swings are rather pronounced on EQ Fico 04. Open mortgage loan was above 50% at the beginning of 2014. Now it's at 20%.

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