@Remedios wrote:
@Anonymous wrote:
@Anonymous Remember a scorecard change doesn’t always mean a score drop. It is typical for most people, but your profile is not like the majority of profiles. Lol. Everything has different weightings; it is possible that you could see an increase.
But the fact that your oldest revolver is younger doesn't help. But at the same time there may be an award for the oldest revolver reaching two years. I just wouldn't expect it on the mature card idk.
I'm not surprised you didn't find any threads discussing AoORA, because I don't think anyone ever realized it was a metric until recently.
Betting time. She will lose points, when it happens. Because her scores are fairly even, I'd expect similar loss between the three CRA, unlike those of us who lost close to 30 on one (one that was just a few points below 800), but only 8-10 at the other two that were in 760 range.
Not a single fico will be gained.
I didn't see very many points on the 8's in December 2019, with the following aging values:
- AoOA: 2 yr 0 mo
- AAoA: 1 yr 4 mo
- AoYA: 1 yr 0 mo
I've seen about 4 different sets of data that tracked 2 to 5 cards from (0-8mo) to just under 4 years (scattered reports, most of them weren't consecutive, and it's only the 8's).
It looks like 770-785 will be the peak for a while. One of them hit 794 at 3yrs 9mo with 1 of 2 cards reporting, on TU 8.
There may be a -20pts loss but it comes back rather quickly within 6mos, leveling off around 775, as long as 100% of cards aren't reporting a balance. 3 of 4 would be ok, and that's good enough for me.
I don't expect a solid 800 or better on the 8's until 5 years, minimum.
