No score change from 6 yr to 7 yr AAoA

[Anonymous]

Very basic data point here that I meant to post about months ago... I received zero points when my AAoA crossed from 6 years to 7 years.  I know this isn't significant, but thought some may want to know.

Do we know for sure where any of the AAoA break points are?  I know for sure there is one at the 1 year mark, but what about after that?  I'd figure that as the years go by there would be fewer thresholds to be crossed; I assume most of them are earlier on?

[medicgrrl]

I had an account drop from my CR and it lowered my AAoA from 7 to 6 and I lost a few points

[Anonymous]

Interesting.  Seems this may be profile specific.  Were you in a clean or a dirty bucket at the time?  Also what was your AoOA and AoYA at the time?

[Revelate]

Doubt it's profile specific but some scorecards have suggested new accounts penalty.

I found one at 2 years explicitly, I did not see one at 3 years.  Will try to catch 4 years but may be hard as I may be on a clean scorecard at that point and all bets are off.  Not certain on the explicit 1 year one on my data but my file was stupidly busy at the time and I didn't try to control for that like I did 2/3 years.

[medicgrrl]

Dirty and my youngest is 1 month. The account that dropped off was old and took me from 7.5 yrs to just under 7. IIRC it was a 5 pt drop.

[medicgrrl]

I just looked again...Went from 7 yr 1 more to 6 yr 6 months and was a 3 pt drop

[sarge12]

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@Anonymous wrote:

Very basic data point here that I meant to post about months ago... I received zero points when my AAoA crossed from 6 years to 7 years.  I know this isn't significant, but thought some may want to know.

Do we know for sure where any of the AAoA break points are?  I know for sure there is one at the 1 year mark, but what about after that?  I'd figure that as the years go by there would be fewer thresholds to be crossed; I assume most of them are earlier on?

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From what I've read, I believe 6 yrs is the final threshold for AAoA point increases, but I could be wrong on that BBS.

[Anonymous]

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@Revelate wrote:

Doubt it's profile specific but some scorecards have suggested new accounts penalty.

I found one at 2 years explicitly, I did not see one at 3 years.  Will try to catch 4 years but may be hard as I may be on a clean scorecard at that point and all bets are off.  Not certain on the explicit 1 year one on my data but my file was stupidly busy at the time and I didn't try to control for that like I did 2/3 years.

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Rev, what do you mean by on a clean scorecard all bets are off?  Does AAoA impact clean cards verses dirty cards differently and if so, how?

[Anonymous]

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@sarge12 wrote:

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From what I've read, I believe 6 yrs is the final threshold for AAoA point increases, but I could be wrong on that BBS.

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Really?  I always thought that the final threshold was a lot higher, maybe 10 or 11 years... just that there were quite diminishing returns when you get to that point, like 10 over 7 means far less than 6 over 3, for example.  Where's T.Thumb, he may know where the final threshold stands with respect to AAoA...

[sarge12]

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@Anonymous wrote:

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@sarge12 wrote:

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From what I've read, I believe 6 yrs is the final threshold for AAoA point increases, but I could be wrong on that BBS.

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Really?  I always thought that the final threshold was a lot higher, maybe 10 or 11 years... just that there were quite diminishing returns when you get to that point, like 10 over 7 means far less than 6 over 3, for example.  Where's T.Thumb, he may know where the final threshold stands with respect to AAoA...

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If anyone here knows for sure it would probably be T Thumb.