I don't think 3 yrs 2 mo (with closed AU accts) or 1 year 11 mo (account holder ) is a threahold for AAoA. The only change on my report involved the addition of the third reason code listed above.
@dberryhill AAoA is not a segmentation factor and could not result in scorecard reassignment (rebucketing). As @thornback suggested, to determine that, please provide the stats listed on my siggy. Is your file clean? We know it's thick, AoOA? AoYR (Age of youngest revolver)?
No, I doubt either of those is a threshold for AAoA. Be aware HPs for loans are buffered for 30 days, but not 60, so I'd also look for other changes as well. Last is it a FICO score?
Glad you figured it out!
But FICO considers aggregate installment utilization. Hadn't another loan reported?