@Thomas_Thumb wrote:
@NoHardLimits wrote:I have Experian data points going back to when I first hit 850 nine years ago. During that period, I've had 5 different periods at 850. For each of those periods, everytime a new inquiry and/or new account appeared, my score dipped below 850 for roughly 13 months after my most recent new application. I would get all my points back during the 13th month. This pattern occurred whether or not I had an open installment loan.
It looks like you had a EX Fico 8 score of 850 without an open installment loan. Were you able to reach/hold 850 on EQ or TU without an open loan?
My TU Fico8 scores never went back up to 850 after my last installment loan (a mortgage) was paid off. The highest score I've been able to achieve without an open loan is 841. My TU scores also fluctuate a lot more than my EX scores. I haven't identified an absolute pattern, but TU seems to be influenced more strongly by total revolving balance dollars.
My EQ datapoints are very sparse compare to EX and TU. I only regained access to free EQ Fico8 Classic scores a few months ago after a five year gap. I have a lot of version 8 Bankcard history, but that would be comparing apples to oranges. The last set of 850 datapoints I have from EQ Classic is from about seven years ago. At that time, it took 11 months to return to 850 after opening new accounts. I had an open loan during that period.
@Thomas_Thumb wrote:Thanks for your clarification. TU is sensitive to # cards with balances, EX is not.
I usually report AZE3 or AZE4. Only reported AZE2 a couple times since my mortgage closed. Still, 850 is possible without an open loan. I first regained 850 on EX Fico 9 in 4/2020 after mortgage closed 12/2019. EX Fico 8 was 849. Hit 850 on EX Fico 8 with 2 cards reporting at a later date. Never regained 850 on TU Fico 8. Can't speak to the EQ 8/9 or TU 9 - I don't have access to those scores for free & I stopped buying 3B reports.
Fwiw now in 2023:
AoYA = 13 years
AAoA = 24 years
AoOA = 39 years
The main page for myFICO now includes a link to setup a free membership plan for EQ8 Classic. I signed up a few months ago. At the top of this webpage, click on the big myFICO logo at the top left corner. That should show you the costs for the paid plans. Find the tab that says "Free Plan" to the right of "Premium Plans".
@HeraC312 wrote:
Clean card. AoOA is 25y, AAoA is 11y 9m and the AoYA is 8m, plus an inquiry of 8m from that new account. I knew I'd drop opening that account - went to 839 immediately, then up to 842 after 90 days and that's where it is now. Aside from the new card that was opened, all other accounts and factors remain consistently the same. Utilization is below 1% and AZEO, I rotate to keep last date of balance activity fresh within 6 months. Still a solid score but wondering when it might return to 850 - at 1y or will it be longer? Thanks! Edit to fix acronym.
Coincidentally, you profile looks nearly identical to mine. I just opened a new account (last new account was July 2021.) FICO 9 has already returned to 850. My FICO 8 is the same as yours at 839. I maxed out at 850 without AZEO. I'm using AZEO after the new account reported to try and manipulate the new account reporting combined with AZEO to see if 850 can be achieved with a new account so recently. So far, it's worked on FICO 9.
Prior to account opening (EX and NOT AZEO, more tha one card reporting):
850 FICO SCORE8
850 FICO SCORE9
899 BankCard SCORE8
882 BankCard SCORE9
AoOA 30 yrs 0 mos
AAoA 9 yrs 1 mos
AoYA 1 yrs 7 mos
After new account reporting (EX, currently AZEO):
839 EX FICO SCORE8
850 FICO SCORE9
882 BankCard SCORE8
881 BankCard SCORE9
AoOA 30 yrs 3 mos
AAoA 9 yrs 4 mos
AoYA 1 mos
