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does score credit count as average age of accounts?

Regular Contributor

does score credit count as average age of accounts?

I have gap and express card both opened 2009 and paypal smart connect  opened 2006 they show on my credit report
they count as my credit lenght? my assumption tells me yes but want to make sure


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Message 1 of 6
5 REPLIES
Established Contributor

Re: does score credit count as average age of accounts?

Yes, they do

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 2 of 6
Moderator Emerita

Re: does score credit count as average age of accounts?

Message 3 of 6
Regular Contributor

Re: does score credit count as average age of accounts?

I figured but making sure i know they count as credit limit for debt to limit ratio
but trying to figure out what my average age of accounts will be now that I've closed some of my oldest credit cards
and they will go off my books sometime in 2022~ 2023

the 4 cards i' opened this past month will be 10 years by then plus my oldest credit card now will be cap one opened in 07 heh
I read somewhere on my report that my average age for credit lenght is at 5.5 years or something and my oldest one is 10 .6 years old

Thanks Guys


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Message 4 of 6
Super Contributor

Re: does score credit count as average age of accounts?

+3

any account on CR count towards AAoA open or closed

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 6
Highlighted
Moderator Emeritus

Re: does score credit count as average age of accounts?


myjourney wrote:

+3

any account on CR count towards AAoA open or closed


+1

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 6