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Possible AAoA threshold exists @ 6.5 years

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Valued Contributor

Re: Possible AAoA threshold exists @ 6.5 years

Makes sense.







Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19.

You can see the score changes 2 months after adding 6 cards, 5 reported.





(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated OCT'19.
Message 31 of 32
Super Contributor

Re: Possible AAoA threshold exists @ 6.5 years


@Birdman7 wrote:
BBS you never did give the October update. Did you find the 90 month threshold and how significant was it?

Almost impossible to tell now with my FICO 8's at 850.  A couple of months back I let all of my revolvers report $0 balances and even with "no revolving credit use" my TU score stated at 850, which tells me at least on that bureau I've got some pretty good buffer built in.  Where that buffer came from (perhaps age of accounts related) it's hard to say. 

Message 32 of 32
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