AAoA Question

[lanc]

Do line of credit accounts affect AAoA?  It looks like Transunion notes the difference as Line of Credit Account instead of Revolving but Experian report doesn't note any difference between the two.  Maybe different CRAs treat them differently?

[pizzadude]

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@lanc wrote:

Do line of credit accounts affect AAoA?  It looks like Transunion notes the difference as Line of Credit Account instead of Revolving but Experian report doesn't note any difference between the two.  Maybe different CRAs treat them differently?

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Yes, AAoA includes all your open accounts, except for collections and judgements.

Usually LOCs are classified as revolving and factor into your revolving utilization, although at some point when they exceed $25K or maybe $30K they no longer factored into revolving utilization, however they will always count in your AAoA.

[Anonymous]

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@pizzadude wrote:

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Yes, AAoA includes all your open accounts, except for collections and judgements.

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AAoA includes all of your open AND CLOSED accounts.

[pizzadude]

Thank you for clarifying that !   I haven't been to starbucks yet today..... 

[lanc]

I read on another forum that they can do either a code 12 or code 14 to run the AAoA by all or just revolvers.  I'm not sure if thats true but definately would make sense they would have the ability to do it if they wanted to....at least amex and there crazy metrics