Just sort of thinking this through as I type. AoYRA being a scorecard reassignment factor on a clean file (thick/aged also) would mean a mortgage refi would not result in scorecard reassignment. That being said, if the original mortgage being refinanced was at high utilization, which is the case for most 30-year mortgages paid down for under (say) 10 years, the new loan that replaces it may have similar utilization from a scoring perspective. Perhaps one moves from 80% utilization to 100%, for example. Could one theoretically see little to no score drop from a refi? There could of course be an inquiry per bureau, but if bucketed it may or may not impact score. AAoA would drop from the new account, but if a threshold weren't crossed it wouldn't impact score.
Just curious if any members have done this and if so what their [scoring] results were and of course just opinions on this in general would be cool to hear. I ask of course because this is the boat I'm in personally, looking toward a mortgage refi in 2021.
