Upcoming AoYA observation opportunity, or is it?

[Patient957]

---

@SouthJamaica wrote:

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.

---

My recent experience contradicts this.  I got my 22 point increase on 3/1/25 for an account that was opened on 3/27/2024.

Although the MF alert bot seems a bit confused about the meaning of "decreased."  

[Patient957]

---

@Thomas_Thumb wrote:

Good point. As we know, Fico only mentions using age of file and recency of accounts as segmentation factors for scorecard assignment for "clean" files.

---

Yes, I think this work by @BallBounces is further confirmation of this point.

[BallBounces]

---

@Patient957 wrote:

---

@SouthJamaica wrote:

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.

---

My recent experience contradicts this.  I got my 22 point increase on 3/1/25 for an account that was opened on 3/27/2024.

---

Correct, SJ is mistaken (I believe) on this one.  But the "to the date" aging IS true for inquiry score recovery.  

[SouthJamaica]

---

@Patient957 wrote:

---

@SouthJamaica wrote:

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.

---

My recent experience contradicts this.  I got my 22 point increase on 3/1/25 for an account that was opened on 3/27/2024.

Although the MF alert bot seems a bit confused about the meaning of "decreased."  

---

Well I can only say that when I was testing what happens in the reverse situation, when one is anticipating a decrease for dropping off of the good scorecard, the score decreases came on different days of the month. They did not come on the 1st of the month. https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Dropping-off-AoYRA-gt-12-month-scorecard...