This is all bull hockey

[Meanmchine]

---

@Anonymous wrote:
You said the scores were from CCT, what are TU and EQ data points for the same dates from CCT?

---

3B CCT pull was 4/5/2018

EX 821     TU 833   EQ 806     ( the good ole days )

Going from CK, I had the 37 FAKO jump but on the anniverary date

3B CCT pull on 5/5/2018

EX 821     TU 834   EQ 814

EQ moved 8 points for the month that FAKO had 37 points so probably all the ding I got for AoYA was only 8 points.  TU and EX were basically dorment

TU like I said did have a +25 point jump and Im willing to concede that this might have been AoYA  My CCT doesnt go back to March so I cant tell for sure.  1/10/2018 3B MyFICO pull had TU at 809

Again, EX didnt jump from end of March to the beginning of April where you could claim beginning of the month aging.  The score only went up the day my last baddie fell off 2 days later.  I find it hard to believe that beginning of month aging was somehow delayed 2 days in my case.

In the absence of any data that would show the exact date my TU went from 809 to 833, I will concede that it was due to AoYA

EQ showed only an 8 point

Is there a way to view really old alerts on myFICO ?

[Anonymous]

I don't know how to explain your data point but you do have multiple events going on like BBS said, you have a collection coming off on EX and the same collection plus an inquiry for EQ, all happening right around the time your AoYA is due to hit 12 months, I won't even venture to explain what happened on your TU. I do know this though, to attribute events with scores, the most important factor is to be able to isolate the events. BBS and I both ran AZEO related experiments this past year, both us started with clean files other than scorable inquiries and was able to isolate every event including AoYA crossing the 12 month mark, both of us saw significant bump right at the moment of cross over.

Back in April 2017, I had 1 2.5 year old open revolver, 1 14 year old mortgage and a few close cards on my profile when I went on an 10 card app spree, when my first card (QS) reported on April 30th, my Ex dropped from 810 to 766, part of that was resetting my AoYA and part was dropping my 8 year+ AAoA to 5 year+ due to a super thin file.

The good thing is, 11 months is only 11 months away, soon you'll find out for yourself when your AoYA breaks 12 months.

[Meanmchine]

@BBS

"....If not?  Then you are the lone outlier exception and everyone should subscribe to your thread for future reference."

I suggest your data pool is way too small to make absolute statements like you are making. When presented with evidence that contradicts your assumption, your response if the throw insults

Thanks for your time

[Meanmchine]

What do you know .... Im not the only "outlier"

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Age-of-Youngest-Account/td-p/5126067

TU score didnt budge an inch when AoYA hit 1 year.  EQ only went up 12

[Anonymous]

---

@MeanmchineWhat do you know .... Im not the only "outlier"

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Age-of-Youngest-Account/td-p/5126067

TU score didnt budge an inch when AoYA hit 1 year.  EQ only went up 12

---

Nope, you still are.  You are comparing apples to oranges, as Rev's profile has a late payment on TU, which is no doubt capping his score where it is.  It's rare to have a score that high with a late payment present.  I had a similar profile to Rev's where I had a 90 day late holding my TU score at 768 for close to a year.  Crossing the AoYA threshold of 12 months would have had zero impact on my TU score at the time either, as the constraint was the negative on my file. 

You also failed to mention the 20+ point gain on EX as well, although that doesn't really matter at this point.

[Meanmchine]

From your thread written by TT

AoYA is not a scorecard assignment factor for dirty scorecards. However, that does not mean AoYA and QTY of "opened recently" accounts won't affect score. As we know, they are a scoring factor based on reason statements. I believe the scorecard threshold is 12 months. In contrast, there are likely are multiple thresholds for recent as a scoring factor - the 1st one being at 3 months IMO.

Responding to a post by CGID

Worth observing that the effect on dirty profiles may be much less (if at all).  That's because AoYA affects scorecard asignment with clean profiles and may have no effect on dirty profiles (Thomas Thumb would know more about that)

[Anonymous]

The presence of a single 30 day late payment doesn't result in being assigned to a dirty scorecard.

[Meanmchine]

Reread your own thread  TT stated that AoYA doesnt discriminate between clean and dirty files. And the reason why Rev didnt get a score movement on TU was what?

[Meanmchine]

---

@Anonymous wrote:

The presence of a single 30 day late payment doesn't result in being assigned to a dirty scorecard.

---

Are you saying that all people with dirty scorecards get reduced or no 1 year bump?

Are you saying that everyone who has reported a large score bump, had clean files?

I do not understand this, plese clarify. Thank you

[Meanmchine]

Lets complicate this a little ..... I am trying to get answers, if I wanted to fight, Id  call my exwife

SpeedyRRR wrote on your thread

"

Before I add any speculation based on my scores over the last few years I would like to confirm the day/date that age thresholds are crossed for all 3 bureaus on fico 8.

I had previously assumed that Transunion and Equifax used the actual opening dates in age calculations and only Experian was based on the first of the month no matter which day the accounts were actually opened since that is the opening date given when viewing my credit reports. I recently read on here that all 3 bureaus use the first of the month for aging except for inquiries that use the actual day of the month it occurred. 

As an example a youngest account opened on 8/16/14. Would the AoYA be 1 year on 8/1/15 or 8/16/15 or 9/1/15? My current understanding is 8/1/15. 

Thanks in advance. "

Your answer to speedy was 8/1

Double checking here, this applies to EQ also?

Would the score increase be the same if it was an installment loan or a credit card

I might have some information...........