EX8 was good for 2 points at 54 months AAoIA on a clean/thick/mature/new revolver scorecard. No other aging threshold worked it happened on the first of the month. One possible other explanation or conflation: 6 months AoYA. (Remember that AoYRA is a segmenter, not a scoring factor.) The only negative reason code before and after is no loan activity. See later post, due to rounding it may be AAoRA.
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96 month threshold AAoRA C/TK/M/NR

1 of 5
3 years ago
Wed Mar 02, 2022 10:09 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 32 minutes Next Level in15 days, 10 hours, and 28 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 32 minutes ago
EX8 was good for 2 points at 54 months AAoIA on a clean/thick/mature/new revolver scorecard. No other aging threshold worked it happened on the first of the month.

One possible other explanation or conflation: 6 months AoYA. (Remember that AoYRA is a segmenter, not a scoring factor.) The only negative reason code before and after is no loan activity.

See later post, due to rounding it may be AAoRA.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: 54 month threshold AAoIA C/TK/M/NR

2 of 5
3 years ago
Wed Mar 02, 2022 10:17 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 32 minutes Next Level in6 days, 10 hours, and 28 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 32 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 32 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 32 minutes ago
I'd imagine we must have a good amount of data at this point on AoYA at 6 months, right?
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Re: 54 month threshold AAoIA C/TK/M/NR

3 of 5
3 years ago
Wed Mar 02, 2022 11:22 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 32 minutes Next Level in15 days, 10 hours, and 28 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 32 minutes ago
Definitely not enough and not analyzed enough, but that’s why I mention it as possible so later data points can either confirm or refute it.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: 54 month threshold AAoIA C/TK/M/NR

4 of 5
3 years ago
Sat Mar 12, 2022 2:36 am
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 32 minutes Next Level in15 days, 10 hours, and 28 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 32 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 32 minutes ago
Based on rounding up it could be average age of revolving account 96 months not AAoIA.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: 96 month threshold AAoRA C/TK/M/NR

5 of 5
3 years ago
Sat Mar 12, 2022 9:35 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 32 minutes Next Level in6 days, 10 hours, and 28 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 32 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 32 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 32 minutes ago
I would tend to favor the 96 on R as opposed to the 54 on I. Multiple potentials can drive ya bonkers!
BrutalBodyShots
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