@BallBounces wrote:Next week when March arrives, I will have a revolving card move to the one year threshold. I will observe what I expect to be no change related to this move. I do expect total movement of 5-10 points after March 1, depending on the reported balance of a few lines around that time. This score move will be related to other derogitory aging as well as reduce UTL, perhaps individual thresholds as well. AAoA on my thick file will not change materially. This will make it hard to evaluate root causes for a score change.
I am almost certainly on a dirty scorecard, with two 60 day lates reporting in the last 7 years. They will still be present next month.
EX 757, I think will move only 5 points to 762 on March 1.
EQ 773, TU 750 I will see a little later in the month but expect roughly 5 points on those as well.
All this just to say, as many know, even common anecdotes that "AoYA moving to 12 months will provide an increase of 15 or more points" have caveats.
If you're saying that at some point in March you will have no revolving account newer than 12 months, I imagine that that will produce some score gain, although my research was with a "clean" scorecard. As you know, my research also found that while "AoYA" was the metric for the mortgage scores, "AoYRA" was the metric for FICO 8 scores.
@BallBounces wrote:
@BallBounces wrote:Next week when March arrives, I will have a revolving card move to the one year threshold. I will observe what I expect to be no change related to this move. I do expect total movement of 5-10 points after March 1, depending on the reported balance of a few lines around that time. This score move will be related to other derogitory aging as well as reduce UTL, perhaps individual thresholds as well. AAoA on my thick file will not change materially. This will make it hard to evaluate root causes for a score change.
I am almost certainly on a dirty scorecard, with two 60 day lates reporting in the last 7 years. They will still be present next month.
EX 757, I think will move only 5 points to 762 on March 1.
EQ 773, TU 750 I will see a little later in the month but expect roughly 5 points on those as well.
All this just to say, as many know, even common anecdotes that "AoYA moving to 12 months will provide an increase of 15 or more points" have caveats.
I have EQ data to observe from March 1.
There was no change in FICO Score 8: 773 before March 1, 773 after March 1.
FICO Score 9 on the other hand moved from 749 in mid February to 765 on March 1. I can not be certain what items effected this. Auto and Card movements were very similar to straight FICO9.
Again, the youngest account (a revolver) aging to one year had no effect on my dirty FICO 8 Score.
IMHO the AoYA and AoYRA metrics don't change on the 1st of the month; they change on the actual anniversary of the account's being opened.
