@Anonymous wrote:
@Revelate wrote:Surprisingly I'm still down 30 points in EX FICO 8 from my earlier high this year before I opened new accounts and I've been clean for over six months now... I think that score recovery has been vastly overstated for mature and generally stable files, and for newer files I strongly suspect the points are coming from other sources than the most recent account aging.
I'm beginning to think that my significant AoYA 3 and 6 month gains are coming from what I would call 'Average Age of Revolving Accounts'. This is equal to AoYA on my profile.
Every 3 months - 3/6/9 mo and just happened again at 12mo - I've seen 'Short revolving credit history' move down the list. Since there is also 'Short credit history', the algorithm has to be tracking revolving accounts separately from AoOA/AAoA/AoYA.
For profiles like yours and @Birdman7's, revolving account age will have a very low weighting, if it shows up as a reason at all.
Well I actually see the short revolving credit history as a pretty consistent reason code on my files for the newer models.
As we discussed before I can't understand why my scores didn't move with the installment loans being added and then I got whacked on the two revolvers being added unless it's explicitly youngest revolver which makes some sense I suppose. I'm not sure if it's average age of revolvers or youngest age of revolvers... agreed it's not a major factor on mine as it's usually in the #3 or #4 slots TBH.
Sadly I don't get good FICO 8 reason codes now, though it's on both FICO 8 AU and BC but both sit behind the usual short credit history, new account, recently looking for credit. I have 2/4 inquiries turning one year tomorrow on Experian, we'll see if the recently looking for credit shifts below the revolving line.
Also just noticed something: that short revolving history reason code does show up on FICO 9 on the 60D late scorecard... and I'm pretty much 100% convinced that it doesn't on any derogatory scorecard prior to FICO 9. Serious deliquency tag still there so I don't think 60D lates suddenly became top 8 or whatever on FICO 9.
Huh another interesting one, short revolving history is the #1 reason code on a clean FICO 9 BC even above short account history. Don't really monitor FICO 9 at all nor the industry options specifically but it's interesting to see the relative weights of various things.
@Anonymous wrote:
@Anonymous wrote:well i just allowed 3 cards to report a balance, a very small tiny balance, but it caused all my fico2 based scores to drop about 20 points! it only caused my fico8 to drop by 1 point. so this is a very significant factor for the fico2. i wonder if the point penalty would have been less if only 2 cards reported a balance.
That's really interesting. My EX 2 will drop 6 points with 2/2 cards reporting a balance and yours drops ~20pts with 3/4.
@CassieCard Shows the difference it can make having more revolvers! 
i just checked my 3b reports again: my TU fico8 fell 15pts due to the 3 cards reporting a balance. but i gained +5 pts on experian!!? pretty weird. both are now almost exactly the same, 721 & 722. i'm pretty sure TU will bounce back again when i pay off the balances, the scores seem to remember where they were and bounce back.
today i was supposed to become scorable on eq, but my 3b report glitched. the entire eq report is missing. 
i will have to check next week to see what it is, since i don't know anyone giving out free eq scores.