The first thing I did was check the mortgage but it's paid.
I am making sure you didn't "just" paid off a installment loan? If so that will cause the points lost if you don't have a open installment loan
No the house is far from paid off bought it in March
I have not personally seen an instance where someone was rebucketed and saw a 22 point score drop from their file aging. If anyone else has seen this, I'd enjoy hearing about it.
Yeah I'm with everyone else on this. Something else changed that you just didn't notice. My oldest account went from 11 years 11 months to 12 years on the first of this month and my score went UP 20 points. My AAoA also went from 1 year 11 months to 2 years. So this would almost certainly result in an increase.
Me and my wife's credit both turned 3 years old the same day. We both had these drops. The only account we share is our mortgage which is current. She hasn't opened an account or gotten an inquiry since March. She had the biggest drops. I see 2 seperate accounts with 1 change in common. Seems to me that the 1 thing in common has a chance of being the reason.
Me and my wife's credit both turned 3 years old the same day.
Following this juicy mystery
Indeed a mystery.
OP can you list out all accounts separately for both of you?
Every last account, Credit cards, mortgage, any other loans. Include month/year opened, limit, balance on last statement.
To be clear, the first credit account you each ever EVER got was three years ago? Any other credit of any kind prior to 12/2015?
Any closed accounts at any point in time?
Any disputes you placed in the past on any items, credit or otherwise, in your credit file?
Are you only getting scores from CCT, or do any cards you have provide FICO 8 score? Discover? AMEX? Chase Slate?