Study: AAoA and max FICO score (Forum Survey)

[Anonymous]

Survey Blank:
FICO 08 Score: 675
AAoA: 1 year 3 mos
Oldest Acount: 5y 1m
Youngest Account: 2 months
Utilization: 37% of $5900
# 30-60 day lates <2 years: 0
# Derogs: 0
# Inquiries <1 year: 7
Bankruptcy (Y/N): N

Added Utilization in there because currently it's a bit high. I will update this when uti reports below 30% (any day now capone statement cut the 6th).

[Hokies2379]

FICO 08 Score: 664

AAoA: 2.3

Oldest Acount: 13 yrs 11 months 

Youngest Account: 1 month

# 30-60 day lates <2 years: 0

# Derogs: 1

# Inquiries <1 year: more than 20 

Bankruptcy (Y/N): N

[damac2004]

FICO 08 Score: 775

AAoA: 2.75

Oldest Acount: 14.75

Youngest Account: .5

# 30-60 day lates <2 years: 0

# Derogs: 0

# Inquiries <1 year: 1

Bankruptcy (Y/N): n

[olehammer]

Fun stuff so far all, thanks for your responses!

FICO 8	AAoA	Oldest	Newest	30-60	Derogs	Inq	Bnkrp	Notes
664	2.3	13.9	0.1	0	1	20	N
675	1.3	5.1	0.2	0	0	7	N	37% Util
684	2.0	8.7	0.1	2	0	4	N
695	5.0	8.3	-	2	4	0	N
775	2.8	14.8	0.5	0	0	1	N

[Anonymous]

FICO 08 Score: 748

AAoA: 10 months

Oldest Acount: 1 year 4 months

Youngest Account: 3 months

# 30-60 day lates <2 years: 0

# Derogs: 0

# Inquiries <1 year: 16

Bankruptcy (Y/N): n

I believe this is what your looking for I really dont understand how my scores are so high with a very short credit history. I see people with way longer credit history with lower scores.

[olehammer]

Great data point @Beavis26! you def are an outlier so far but you're the first under 2 years with a crystal clean file other than the inquiries.

[satasat360]

FICO 08 Score: 748

AAoA: 1 year 4 months

Oldest Acount: 4 years 1 month

Youngest Account: 4 months

# 30-60 day lates <2 years: 0

# Derogs: 0

# Inquiries <1 year: 1

Bankruptcy (Y/N): N

2% Util

[Gardenhand]

Transunion

FICO 08 Score: 771
AAoA: over one year under two years
Oldest Acount: one year eleven months
Youngest Account:2 months
# 30-60 day lates <2 years: no
# Derogs: no
# Inquiries <1 year: 2
Bankruptcy (Y/N): no

Equifax

FICO 08 Score: 765

Inqs:3

everything else is the same

Experian

FICO 08 Score: 729

Inqs:3

everything else is the same.

i can get more specific with my AAoA if any wants me to. It would take me a little bit to add everything up, etc... Sort of short on time at the moment. But I know it's under two years because my oldest account will be two years in March. I know it's over one year because I figured this out a couple months back when I added my two new accounts. I'm under the impression that aaoa is roundest to the lowest whole year so Fico should be scoring me as a one year aaoa.

my scores really jumped up when I paid one of my two secured loans to zero and the other one down to nine percent. I have three credit cards and one secured loan with nine percent balance left reporting on all reports. Two closed cards and one closed installment loan. My credit card balance is five dollars so that's less then one percent of my limits. Waiting for my experian to update and catch up. It's been lagging behind.

Edit: my Transunion score went down four points today for no known reason. I just got an alert saying my score went down. It was at 775.

[NRB525]

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Survey Blank:

FICO 08 Score: 772 EQ    768 TU    753 EX

AAoA: 5y 9m

Oldest Acount: 17y 8m

Youngest Account: 1 month

# 30-60 day lates <2 years: 0

# Derogs: 0

# Inquiries <1 year: 5 EQ   1 TU   10 EX

Bankruptcy (Y/N): N

Utilization  10%  $25k on TU

23 of 25 open cards reporting some balance

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[Anonymous]

Survey Blank:

FICO 08 Score: 766 EQ  789 TU  763 EX

AAoA: 5.5

Oldest Acount: 18.3 

Youngest Account: 5 mths

# 30-60 day lates <2 years: 0

# Derogs: 0

# Inquiries <1 year: 8

Bankruptcy (Y/N): 0

Util - 1%

I just did an app spree on a thin file - I will update when the new cards hit. My AAoA will take a big hit.