@Anonymous wrote:
@Thomas_Thumb wrote:P.S. Fico has scorecards, not buckets
Don't you think these two terms are used rather interchangeably on this forum?
Like if someone refers to being "rebucketed" they are suggesting movement from one scorecard to another.
If I wanted to learn today (and wasn't feel so darn lazy...), I would research the myfico forum to see if I can figure out 1) what the heck is a scorecard 2) how are scorecards and buckets related to each other (if at all). But...as it is...the brain got turned off earlier in the week and shows no signs of being interested in working again any time soon. ..untl then, I'll keep using them interchangeably. 
@JLK93 wrote:LOTR,
When you Alliant SSL first reported, how many points did you gain on each CRA in early January?
Are all of your other loans closed?
JLK93, thank you for responding. 
Looking back through the alerts, my scores increased as followed when the Alliant loan first reported:
Fico 8 scores:
EQ (Jan 9th) increased 18 points: from 694 to 712
TU (Jan 8th) increased 17 points: from 708 to 725
EX (Jan 12th) increased 20 points: from 740 to 760
Prior to Jan 8th, the most recent alert was on Jan 6th indicating that the "The total balance on all your Bankcard account(s) has changed. This amount is a sum of all Bankcard balances." This Jan 6th alert resulted in no score change. No other alerts were received between Jan 6th and Jan 8th.
Yes, All my other loans are closed and PIF. No late payments except those I mentioned earlier.
@Anonymous wrote:
@Anonymous wrote:I don't know if my file would be consider thick or thin. I suspect it's somewhere in the middle. Before adding the new cards, my AoOA was over 21 yrs with an AAoA of almost 14 yrs. with most accounts being student loans (all PIF), one mortgage (PIF), a couple of car loans(PIF), 2 opened CC (one 6 years old and one about 9 months old. Not a lot of TLs - so I suppose that is considered thin?? but plenty of age, so not young. In regards to these graphs - in your opinion (and others who may wish to comment) where would my profile fall?
LOTR, I'm not sure anyone answered this question yet of yours so I'll take a stab at it.
File thickness and file age are really two different factors. It's possible to have a young file with say an AAoA of 1 year and an AoOA of 2 years that's made up of 2 total accounts (one 2 years old, one just opened) which would make it a thin file. Conversely, you could have a file comprised of 20 accounts with the same 1 year AAoA and 2 year AoOA and that file while still young would actually be considered thick even though it's not aged.
On the flipside, the same could be true of a file that's got an AAoA of 12 years and an AoOA of 25 years. It could be just 2 total accounts (open opened today, one 25 years ago) meaning it's a thin file, or it could be made up of 30 accounts which would of course be a very thick file.
From what I've read on this forum, most consider a file to no longer be thin once it reaches 5 accounts or so. While this may not make it "thick" it's definitely no longer "thin" at this stage. What is the total number of accounts you have, open and closed combined, on your credit reports currently? I now have 21 total accounts (opened and closed) You weren't 100% clear on this, but from reading the part of your post that I quoted above it would seem that your number here is at least 8-10 accounts... probably 10+ correct? That said, IMO you have a thick file. And, as you already know, it's an aged file. Those two factors combined, thick and aged, are of course ideal when it comes to a profile.
BBS, thank you for answering this! Now I know my file is considered a old/thick file. And even before adding the accounts, it would have been considered so. Just to clarify it, so at what point does a file cross over from young to old? 3 years? 7 years? Just wondering. You've basically answered this question for thin/thick - which seems to be having 5 or so accounts being the consensus threshold
Again, thanks!