Average Age of Accounts ( AAoA ) Thresholds -------------------------------------------------------------------------- 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, Cassie) 18 months / 1yr 6mo (Confirmed twice by Cassie, really good on all mortgage scores) 24 months / 2yr 0mo (Cassie) 30 months / 2yr 6mo (Cassie, EX8 +2, EX2 +6 LINK to Post here , Different Profile Nothing on TU8 on either profile.) 36 months / 3yr 0mo (Cassie, EX8 +2, EX BC8 +2, EX Auto 8 +3) (AllZero here ) 42 months / 3yr 6mo - ( Cassie, NO CHANGE, LINK to Report ) 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear LINK , conflated with non-AU AAoA 2yr0mo and not likely to give +27pts for this alone. Needs more DPs. ) 54 months / 4yr 6mo (Unconfirmed) 60 months / 5yr 0mo 66 months / 5yr 6mo 72 months / 6yr 0mo (Confirmed by Birdman ) 78 months / 6yr 6mo (Confirmed by BrutalBodyShots) 84 months / 7yr 0mo (Confirmed by K-in-Boston ) 90 months / 7yr 6mo 108 months / 9yr 0mo (Confirmed by Justaguy, EX8 +3, here )
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Average Age of Accounts ( AAoA ) Thresholds

1 of 3
2 years ago
Wed Aug 31, 2022 9:49 pm
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Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level52 Last INQFriday, February 14, 2020 Gardening For4 years, 4 months, 5 days, 9 hours, and 56 minutes Next Level in24 days, 14 hours, and 4 minutes on July 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 4 months, 5 days, 9 hours, and 56 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 4 months, 5 days, 9 hours, and 56 minutes ago
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Average Age of Accounts ( AAoA ) Thresholds -------------------------------------------------------------------------- 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, Cassie) 18 months / 1yr 6mo (Confirmed twice by Cassie, really good on all mortgage scores) 24 months / 2yr 0mo (Cassie) 30 months / 2yr 6mo (Cassie, EX8 +2, EX2 +6 LINK to Post here, Different Profile Nothing on TU8 on either profile.) 36 months / 3yr 0mo (Cassie, EX8 +2, EX BC8 +2, EX Auto 8 +3) (AllZero here) 42 months / 3yr 6mo - ( Cassie, NO CHANGE, LINK to Report ) 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear LINK, conflated with non-AU AAoA 2yr0mo and not likely to give +27pts for this alone. Needs more DPs. ) 54 months / 4yr 6mo (Unconfirmed) 60 months / 5yr 0mo 66 months / 5yr 6mo 72 months / 6yr 0mo (Confirmed by Birdman ) 78 months / 6yr 6mo (Confirmed by BrutalBodyShots) 84 months / 7yr 0mo (Confirmed by K-in-Boston ) 90 months / 7yr 6mo 108 months / 9yr 0mo (Confirmed by Justaguy, EX8 +3, here )
Cassie
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  • Score data EQ8:792 TU8:789 EX8:788 (Nov 15)
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Re: Average Age of Accounts ( AAoA ) Thresholds

2 of 3
2 years ago
Wed Aug 31, 2022 10:36 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has passed the 24 month threshold and is completely inquiry free!
BrutalBodyShots has achieved the Garden Goal !!
Level24 Last INQMonday, May 23, 2022 Gardening For2 years, 27 days, 9 hours, and 56 minutes Next Level in3 days, 14 hours, and 4 minutes on June 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 27 days, 9 hours, and 56 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached27 days, 9 hours, and 56 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved27 days, 9 hours, and 56 minutes ago
It looks like we need 96 months and 102 months tested to sort of fill in the gaps there...
BrutalBodyShots
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Re: Average Age of Accounts ( AAoA ) Thresholds

3 of 3
2 years ago
Fri Sep 09, 2022 7:50 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level27 Last INQWednesday, March 2, 2022 Gardening For2 years, 3 months, 17 days, 9 hours, and 56 minutes Next Level in12 days, 14 hours, and 4 minutes on July 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 3 months, 17 days, 9 hours, and 56 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached3 months, 17 days, 9 hours, and 56 minutes ago
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@Cassie have you mapped your oldest and average RAs to see where the thresholds are for those? You can give us clear data points on that because you started with a loan. Most people start with a revolver so there oldest revolver and oldest account or the same, so the changes they would wrongfully attribute to oldest account is actually oldest revolving account. But because you started with a loan, you should be able to see the thresholds for oldest revolving account. What thresholds have you identified so far? And didn’t I just read in the other thread that you did not receive anything for 36 months AAOA? But above is it saying you did? I’m confused. But it might be me, so if it is tell me like a kindergardener lol. I also wonder if we should separate thresholds that only exist on industry standard scores because those are not classic fico. I mean it would be nice to map all the thresholds but first we gotta do the classic or we need to at least differentiate because some of those are only industry standard and we don’t want people to think they’re going to get it anywhere else. Maybe if we made a table with one column being classic & the second column being industry standard scores. Then we could put a checkmark or we could do eight of them so we can cover all scorecards and we can write in the number! We would need one for each bureau though. And then we would need a set for each version. Edited @Cassie We can add it in the CSP. I got to get PHP so I can start updating.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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