No score change from 6 yr to 7 yr AAoA

[Revelate]

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@Anonymous wrote:

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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?

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I'm of the opinion AAOA is the same for everyone; nah, what I mean is right now unless I do something purposefully to ding it, my scores are flatlined and my scores behavior on my file is very well characterized.

I'm probably not going to be flatlined when I'm on a clean profile, namely as I assuredly don't score near the max of my bucket which seems to be the case on some models at least on my current dirty one... I suspect my testing is going to suck afterwards until I can establish a new normal for a whole suite of things unfortunately.

[Revelate]

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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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You can hit 850 with under 8 years, that was recently shown in a datapoint but that doesn't necessarily determine max bit.  Serious diminishing returns as you intimate and short of a dirty file crossing breakpoints to try to tease it out and it'd have to be a helluva long file to begin with, with an 850 upper bound for clean files not sure we're going to figure out that final threshold.

I've personally always considered everything over 5 years to be kind of a wash but I have no hard data around that... just by that point on a clean file, you're gold plated anyway so scores beyond curiousity = /shrug.

My opinion only.

[Anonymous]

Yeah, I've heard of people hitting 850 with AAoA of less than 10 years, no doubt, but as you suggested that doesn't mean 8 years (or whatever AAoA they have) is yielding the most points they could get for AAoA.  With a perfect profile it's harder to test, where if this person had some new accounts or inquries, something taking their score down to the 830's for example, crossing a whole year mark from 8 to 9 could be looked at as a datapoint.  When you're at 850 already, the only testing you can do is downward and even with that you don't know how much of a buffer above 850 you are starting with.

For those without 850 scores that have crossed different year thresholds with AAoA, it would be cool to hear from you as to whether or not you achieved a score increase/decrease in moving from X to X+1 or X to X-1.

[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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I do know from what either CCT or Myfico gave as the reason that my score was not 850, or maybe it was the wells fargo credit pull, that 6 years AAoA is a significant hurdle. Every time I've started getting closer my greedy nature starts looking at the SUB bribes and I dilute it with new account or two or three...at 5.2 years now.

[Anonymous]

Great thread BBS, thank you for posting this question.

[Anonymous]

For sure!

My reason codes on CCT with 6 or 7 year AAoA have indicated "long credit history" at times as a factor "helping" my score.  That doesn't mean, though, that I hit max in terms of AAoA... I'd still like to hear from T.Thumb, wherever he is as he may have a concrete answer here.

[Anonymous]

Here is what myFICO has to say, in the Score Ingredients section:

"Most FICO High Achievers have an average age of accounts of 11 years or more." ... Now, I understand that that information is not being generated by the scoring algorithm itself, but it does suggest a correllation between higher FICO's and higher AAoA's to the 11-year point....

[sarge12]

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@Anonymous wrote:

For sure!

My reason codes on CCT with 6 or 7 year AAoA have indicated "long credit history" at times as a factor "helping" my score.  That doesn't mean, though, that I hit max in terms of AAoA... I'd still like to hear from T.Thumb, wherever he is as he may have a concrete answer here.

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I found T. Thumb in another thread and asked...waiting for a reply. I wonder if T. Thumb knows he's a Rockstar!!!

[Thomas_Thumb]

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@Anonymous wrote:

For sure!

My reason codes on CCT with 6 or 7 year AAoA have indicated "long credit history" at times as a factor "helping" my score.  That doesn't mean, though, that I hit max in terms of AAoA... I'd still like to hear from T.Thumb, wherever he is as he may have a concrete answer here.

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Hello BBS

Best I can tell 5 years AAoA is an important milestone. After that 5 years to 6 years appears to be inconsequential as does 6 years to 7 years. In my opinion 8 years (or thereabouts) is the saturation level above which no further value is gained by increasing AAoA. Experian lists 7 years 8 months AAoA as a cutoff - based on a Experian Plus report I received. (note pasted below):

Age of oldest can play a role on weighting of AAoA. For example, if age of oldest is 15 years, effect of AAoA crossing above the 2 year mark will be small compared to a profile with age of oldest at 4 years crossing above 2 year AAoA.

[sarge12]

As always T_Thumb your information is invaluable...you are a true super star on the forum. Thank You for the input. By the way, if I actually go by the simulator on Myfico, which we all know is not accurate, nothing I can do in the next 2 years will get me to 850 across the board. I do believe that it's basic recommendation of doing nothing except pay bills and wait 24 months is probably the best course though. Not real good at just waiting though, while CC issuers keep offering bribes to woo me out of the garden. May just be that I can not get there from here.