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@Anonymous wrote:
Rev Whats ur AooA at EX?
Same all over, 11 years 1 month now.
@Anonymous wrote:
So that all depends on where we draw the line. You could be a spring chicken.
Yeah that just seems doubtful for an algorithm that's built on figuring out risk on shorter time horizons.
Sadly we just don't really know, and given the myriad of aging factors I think we're just going to have to have people religiously track and then compare.
@Anonymous wrote:
That’s exactly why I feel the aged/nonaged line is lower than commonly thought.
There was a datapoint somewhat recently that put it at 3 years AOOA.
Which, maybe... I didn't see a marked shift change, I went up moderately linearly until I hit a hard cap on my own file but I had an old account opened in early 2008, so I was already 3+ years out when I was first starting here.
June 10, 2019: The 'AoYA 6mo' update of 28 FICO scores.
All 28 FICO scores are up this time. Minimum gain, +7pts. Maximum gain, +29pts.
This is PART 1 of the table. PART 2 in a reply below. (The whole table now exceeds the 20,000 character message limit.)
CassTrack v1.6 "AoYA 6mo" | Common data
| 06/10/19 | ||
Previous Report 05/10/2019 |
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Current Report 06/10/19 What changed? |
NOTE: Some of the point gains were due to changing aggregate utilization; about 3 to 4 points. These were realized several days after the 1st when my last card reported its statement balance, changing aggregate utilization to 4%. This 4% threshold on EQ/TU/EX is not common to all scorecards. It may just be for new-to-credit scorecards. | |||
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| New statement balances recorded at all 3 CRA's between 6/1 and 6/10. Score reports from myFICO 3B+, Credit Karma (TU/EQ VS3), and Credit.com (EX VS3, ENES) | 05/10 | Δ | 06/10 |
FICO 8 | EQ | 705 | +10 | 715 |
| Short credit history, No recent loan activity, Too many accounts with balances | |||
FICO 8 | TU | 712 | +12 | 724 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 8 | EX | 719 | +9 | 728 |
[Change] | Short credit history, No recent loan activity, Short revolving credit history | |||
| Short credit history, Short revolving credit history, No recent loan activity | |||
FICO 9 | EQ | 714 | +9 | 723 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | TU | 712 | +9 | 721 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 9 | EX | 717 | +11 | 728 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO 5 | EQ | 708 | +13 | 721 |
[Change] | Short credit history, Too many accounts with balances, Seeking credit, Short revolving credit history | |||
| Short credit history, Short revolving credit history, Too many accounts with balances, Seeking credit | |||
FICO 4 | TU | 691 | +26 | 717 |
[Change] | Short credit history, Seeking credit, Short revolving credit history, Recently opened new credit account | |||
| Short credit history, Short revolving credit history, Seeking credit, Recently opened new credit account | |||
FICO 2 | EX | 721 | +12 | 733 |
[Change] | Short credit history, Too many accounts with balances, Seeking credit, Recently opened too many new credit accounts | |||
| Short credit history, Short revolving credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO Auto 8 | EQ | 679 | +11 | 690 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 8 | TU | 700 | +14 | 714 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Auto 8 | EX | 705 | +10 | 715 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Auto 9 | EQ | 720 | +9 | 729 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | TU | 714 | +10 | 724 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Auto 9 | EX | 725 | +11 | 736 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 8 | EQ | 697 | +10 | 707 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | TU | 713 | +14 | 727 |
| Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
FICO Bankcard 8 | EX | 723 | +10 | 733 |
| Short credit history, No recent loan activity, Short revolving credit history, Few accounts paid on time | |||
FICO Bankcard 9 | EQ | 723 | +9 | 732 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | TU | 724 | +8 | 732 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances | |||
FICO Bankcard 9 | EX | 727 | +11 | 738 |
[Change] | Short credit history, No recent loan activity, Too many accounts with balances, Short revolving credit history | |||
| Short credit history, No recent loan activity, Short revolving credit history, Too many accounts with balances |
PART 2 of the June 10, 2019 update at AoYA 6 months. ( PART 1 in a reply above. )
FICO Auto 2 | EX | 698 | +11 | 709 |
[Change] | Short credit history, Too many accounts with balances, No recent loan activity, No recent auto loan activity | |||
| Short credit history, Short revolving credit history, Too many accounts with balances, No recent loan activity | |||
FICO Auto 4 | TU | 680 | +29 | 709 |
[Change] | Short credit history, Seeking credit, No recent loan activity, Short revolving credit history | |||
| Short credit history, Short revolving credit history, No recent loan activity, Seeking credit | |||
FICO Auto 5 | EQ | 716 | +13 | 729 |
[Change] | Short credit history, Too many accounts with balances, Recently opened new credit account, Seeking credit | |||
| Short credit history, Short revolving credit history, Recently opened new credit account, Too many accounts with balances | |||
FICO Bankcard 2 | EX | 726 | +13 | 739 |
[Change] | Short credit history, Short installment credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
| Short credit history, Short revolving credit history, Too many accounts with balances, Recently opened too many new credit accounts | |||
FICO Bankcard 4 | TU | 702 | +26 | 728 |
[Change] | Short credit history, Seeking credit, Short revolving credit history, Recently opened too many new credit accounts | |||
| Short credit history, Short revolving credit history, Seeking credit, Recently opened too many new credit accounts | |||
FICO Bankcard 5 | EQ | 711 | +14 | 725 |
[Change] | Short credit history, Short installment credit history, Too many accounts with balances, Too few or too many revolving accounts | |||
| Short credit history, Short installment credit history, Short revolving history, Too many accounts with balances | |||
FICO 3 | EX | 718 | +7 | 725 |
[Change] | Short credit history, Too many accounts with balances, Short revolving credit history, Seeking credit | |||
| Short credit history, Short revolving credit history, Too many accounts with balances, Seeking credit | |||
VantageScore 3.0 | EQ | 735 | +3 | 738 |
VantageScore 3.0 | TU | 731 | +3 | 734 |
VantageScore 3.0 | EX | 735 | +3 | 738 |
TU AUTO CBIS | TU | 820 |
| 820 |
Experian National Equivalency Score | EX | 733 | +4 | 737 |