Today AoYRA Hit 1 YR Results Disappointing

[Remedios]

I know, weird 🤣

I'm a terrible DP in general, things just don't happen the way they are frequently described here. 

Maybe my profile is broken 🤔

[Iusedtolurk]

@Anonymous"It would be interesting to see if there's any difference with utilization, what was yours by the way? I don't think that's the causative factor though. I believe we can maybe rule out new credit and mix, imho, but I would like to compare inquiry Metrics. That leaves age, and while there's many metrics it has to be a scoring Metric not Segmentation Metric, imho. So that's why I think it has something to do with one of those metrics."

My aggregate utilization is 21%

EX Inquiries Zero

Accounts w/balance 12/12

[Iusedtolurk]

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@Anonymous wrote:

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@Remedios wrote:

You got your order wrong.

I went through reassignment well before Cassie, and my youngest revolver reached a year before Cassie's.

What I'm finding striking is the difference in scores.

Mine are about 80 points higher than @Iusedtolurk and 30-40 higher than Cassie's. Granted, I don't have 100% of accounts reporting, but I do have more than 50% right now.

Also, some of my industry specific scores have reached 800. 

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@Remedios Yeah I screwed up on the order. so you were first and Cassie second (corrected). And yes, she had a loan a year before a revolver. If I recall, your revolver was two months after your loan even though a loan was your first account? 

So your score is understandably higher by having an older age of oldest revolving account at least. 

@Iusedtolurk is your oldest account a revolver or a loan? And how old is the oldest of the other please?

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@Anonymous 

My oldest account is a 3 yr 1 month old Cap1 secured revolver (yep still secured).

My oldest loan (closed 1 1/2 years ago) on EX is 2 yrs 2 months.

[Iusedtolurk]

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@Remedios wrote:

Just one month apart.

I see what you are saying, but at two years, my scores were much higher also.

Even then they hovered around 770-780 with no open loan. 

Of note, biggest aging gain I've ever seen on my profile was 5 points. I've never gotten more than five points for anything on the 1st of the month (other than about 7 points on TU when average age was 9 months). No big gains like Cassie. Just 5 every so often would land in my lap. 

If anything, this stupid loan is actually "hurting" at the moment since reported utilization on it is 67% and 8s are whining about it.

In a few days I'll see what happens with alleged 65% treshold. 

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@RemediosOne big thing I believe is suppressing my scores is I have 3 CFAs on my report. (all closed but still impactful unfortunately I'm finding out for years to come).

[Remedios]

I don't know what kind of damage CFAs do, but 80 point seems a bit steep.

I do remember one thread where there was 11 point gain after CFA fell off the CR. That is the only instance that I can remember where points gain/loss was quantified. 

[Remedios]

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@Iusedtolurk wrote:

@Anonymous"It would be interesting to see if there's any difference with utilization, what was yours by the way? I don't think that's the causative factor though. I believe we can maybe rule out new credit and mix, imho, but I would like to compare inquiry Metrics. That leaves age, and while there's many metrics it has to be a scoring Metric not Segmentation Metric, imho. So that's why I think it has something to do with one of those metrics."

My aggregate utilization is 21%

EX Inquiries Zero

Accounts w/balance 12/12

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I'm pretty sure if you optimized your profile you would gain at least 30 points. 

[Anonymous]

@Iusedtolurk both me and my SO had our CFAs age off EQ only (difference in reporting between the 3Bs). And our scores gained 19 - 40 pts, depending on score. I had 4 age off and he had 2 age off. He gained more pts than me, so I don't believe it is a set number "per" CFA, but maybe more profile dependent as to the impact?

[Anonymous]

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@Remedios wrote:

Just one month apart.

I see what you are saying, but at two years, my scores were much higher also.

Even then they hovered around 770-780 with no open loan. 

Of note, biggest aging gain I've ever seen on my profile was 5 points. I've never gotten more than five points for anything on the 1st of the month (other than about 7 points on TU when average age was 9 months). No big gains like Cassie. Just 5 every so often would land in my lap. 

If anything, this stupid loan is actually "hurting" at the moment since reported utilization on it is 67% and 8s are whining about it.

In a few days I'll see what happens with alleged 65% treshold. 

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@Remedios at 2 years your revolver was almost 2 years old. For Cassie at 2 years oldest account, her oldest Revolver was only 1 year old, so you're 11 months ahead of her in gaining points for age of oldest Revolver, if we were to synchronize your profile starting dates. 

[Anonymous]

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@Iusedtolurk wrote:

@Anonymous"It would be interesting to see if there's any difference with utilization, what was yours by the way? I don't think that's the causative factor though. I believe we can maybe rule out new credit and mix, imho, but I would like to compare inquiry Metrics. That leaves age, and while there's many metrics it has to be a scoring Metric not Segmentation Metric, imho. So that's why I think it has something to do with one of those metrics."

My aggregate utilization is 21%

EX Inquiries Zero

Accounts w/balance 12/12

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Yeah I think that rules out the amounts owed Factor. 

[Anonymous]

@Iusedtolurk did you have any accounts younger than the revolver? Outta curiosity