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Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..

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Valued Contributor

Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..

Hey All - 

So,  February 1st will bring 2 (known) minor changes to my EX report: 

 

(1) AoOA will hit the 5 year mark. 

(2) 1 inquiry (out of a total of 6) will hit the 1 year mark. 

 

No balance updates will occur between now and then, so assuming no other, unexpected changes -  could this be an opportunity for a small score increase?  Anyone have experience with an AoOA 5 year threshold?  Anyone have experience with only 1 inquiry out of several reaching the 1 year mark?  

 

I am not expecting much, if anything at all - but I'm in the Garden, my scores are stable, and I'm using this time to try to figure out the little things. 

 

*TU and EQ have a different (wrong) date for the oldest account so it will not hit the 5 year mark on those two reports till March - which is why I'm only referring to EX.

 

Thanks!

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
7 REPLIES 7
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Super Contributor

Re: Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..

I'm not sure if 5-6 inquiries are binned together or not.  If so, you wouldn't gain any points in going from 6 to 5.  If they are, you could see maybe 3-6 points come back.  As for AAoA, jury is out on that one too.  I would think if it was indeed a threshold, you'd see 5-10 points from crossing it.  Just a guess though.   

Message 2 of 8
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Valued Contributor

Re: Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..

Thanks for the input.  If I do receive any points,  I'll monitor EQ and TU in March since the only change at that point should be the AoOA.  That way,  I should be able to isolate the cause and say with some level of certainty whether AoOA at 5 years is a threshold.   Thanks again!


@BrutalBodyShots wrote:

I'm not sure if 5-6 inquiries are binned together or not.  If so, you wouldn't gain any points in going from 6 to 5.  If they are, you could see maybe 3-6 points come back.  As for AAoA, jury is out on that one too.  I would think if it was indeed a threshold, you'd see 5-10 points from crossing it.  Just a guess though.   


 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 8
Senior Contributor

Re: Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..


@thornback wrote:

Hey All - 

So,  February 1st will bring 2 (known) minor changes to my EX report: 

 

(1) AoOA will hit the 5 year mark. 

(2) 1 inquiry (out of a total of 6) will hit the 1 year mark. 

 

No balance updates will occur between now and then, so assuming no other, unexpected changes -  could this be an opportunity for a small score increase?  Anyone have experience with an AoOA 5 year threshold?  Anyone have experience with only 1 inquiry out of several reaching the 1 year mark?  

 

I am not expecting much, if anything at all - but I'm in the Garden, my scores are stable, and I'm using this time to try to figure out the little things. 

 

*TU and EQ have a different (wrong) date for the oldest account so it will not hit the 5 year mark on those two reports till March - which is why I'm only referring to EX.

 

Thanks!


 

AoOA is not a Fico scoring factor. It is a scorecard assignment segmenter. If an increase moves you to a different scorecard your score may change is due to a shift in weighting of the factors used in scoring and the assigned min/max scores associated with the scorecard.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 4 of 8
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Super Contributor

Re: Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..

TT, do we have any data on what different AoOA values result in which score card assignments?

Message 5 of 8
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Valued Contributor

Re: Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..


@Thomas_Thumb wrote:

@thornback wrote:

Hey All - 

So,  February 1st will bring 2 (known) minor changes to my EX report: 

 

(1) AoOA will hit the 5 year mark. 

(2) 1 inquiry (out of a total of 6) will hit the 1 year mark. 

 

No balance updates will occur between now and then, so assuming no other, unexpected changes -  could this be an opportunity for a small score increase?  Anyone have experience with an AoOA 5 year threshold?  Anyone have experience with only 1 inquiry out of several reaching the 1 year mark?  

 

I am not expecting much, if anything at all - but I'm in the Garden, my scores are stable, and I'm using this time to try to figure out the little things. 

 

*TU and EQ have a different (wrong) date for the oldest account so it will not hit the 5 year mark on those two reports till March - which is why I'm only referring to EX.

 

Thanks!


 

AoOA is not a Fico scoring factor. It is a scorecard assignment segmenter. If an increase moves you to a different scorecard your score may change is due to a shift in weighting of the factors used in scoring and the assigned min/max scores associated with the scorecard.


Arghh -- is this the "rebucketing" thing?  So does that mean I could, potentially, lose points?   What you say here makes total sense but I've read things about rebucketing causing folks to actually drop a few points because they are now at the bottom of a higher barrel, sort to speak.      Thank you!

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 6 of 8
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Senior Contributor

Re: Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..

Yes, Although the official term for segmentation is scorecards, people like to use the slang term "buckets". 

 

It is hard to confirm where Fico draws the line on age of file (AoOA) for segmentation but, it is likely higher than 5 years - perhaps 10 years.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 7 of 8
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Valued Contributor

Re: Seeking AoOA Threshold Data Points - Anecdotal or Otherwise..

Gotcha.   OK.  Thank you so much for the information - greatly appreciated. 


 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 8 of 8
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