On February 23 my score was 771, and on March 1 it jumped up to 796. The only variables that changed were the time related variables. My mortgage account got the 1 year mark, my oldest (closed) account is now 9.5 years old, my oldest revolver hit the 3 year mark, and my average age of accounts is at 6 years if you include closed accounts but only 2 years if you ignore closed accounts. I know FICO acknowledged closed accounts and VantageScore 3.0 ignores them. Does version 4 also ignore closed accounts? When my utilization increased from 1% to 2% my VantageScore 3.0 decreased, but all other credit scores stayed the same.
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My VS4 increased 25 points.

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3 years ago
Sat Mar 12, 2022 9:39 am
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Credible
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Credible has achieved the Garden Goal !!
Level29 Last INQMonday, March 28, 2022 Gardening For2 years, 5 months, 10 days, 20 hours, and 20 minutes Next Level in20 days, 3 hours, and 40 minutes on September 28th INQ 1yr onTuesday, March 28, 2023 INQ 1yr reached1 year, 5 months, 10 days, 20 hours, and 20 minutes ago INQ 2yr onThursday, March 28, 2024 INQ 2yr reached5 months, 10 days, 20 hours, and 20 minutes ago Goal24 months Goal DateThursday, March 28, 2024 Goal Achieved5 months, 10 days, 20 hours, and 20 minutes ago
On February 23 my score was 771, and on March 1 it jumped up to 796. The only variables that changed were the time related variables. My mortgage account got the 1 year mark, my oldest (closed) account is now 9.5 years old, my oldest revolver hit the 3 year mark, and my average age of accounts is at 6 years if you include closed accounts but only 2 years if you ignore closed accounts. I know FICO acknowledged closed accounts and VantageScore 3.0 ignores them. Does version 4 also ignore closed accounts? When my utilization increased from 1% to 2% my VantageScore 3.0 decreased, but all other credit scores stayed the same.
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Re: My VS4 increased 25 points.

2 of 3
3 years ago
Sat Mar 12, 2022 10:46 am
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BrutalBodyShots
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BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 20 minutes Next Level in15 days, 3 hours, and 40 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 20 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 20 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 20 minutes ago
Where did you get your VS4 from, a Synchrony card? That's the only place I've seen them. Nice gain for sure that is definitely attributed to one or more of the aging metrics you referenced. Also there's a very good chance that VS does in fact count closed accounts in their aging metrics, even though the popular opinion or dialogue online states that "Fico includes open and closed accounts and VS only open accounts." I believe that to be false, as on the VS web site several years ago in their FAQ it clearly stated that VS like Fico does in fact include closed accounts in their aging metrics. I believe that the false misconception of this came from CMS like Credit Karma showing otherwise on their front end which has caused individuals to believe otherwise and perpetuate that misinformation as factual. My guess is that your oldest revolver, especially if it's your oldest account hitting 3 years was most significant.
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Re: My VS4 increased 25 points.

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3 years ago
Sat Mar 12, 2022 1:12 pm
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Birdman
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Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 20 minutes Next Level in24 days, 3 hours, and 40 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 20 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 20 minutes ago
Yes if I recall correctly BBS is on point, vantage score includes closed accounts but credit Karma does not.

Wow, it would be hard to figure out which one of those Aging Metrics caused the change or if it was a conflation of more than one. Definitely a significant jump, you have an account younger than the mortgage from your scorecard? So I don’t think it’s that. The 3 years is definitely suspect as is the 9.5 and the 6. I haven’t studied vantage enough nor have we collected enough Datapoints, but with time and contributions we will.

Definitely great data points thank you!! They will be useful to correlate with future data points.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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