Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 2,858
Registered: ‎06-08-2012
0 Kudos

12 months but AAoA is in tenths of a year - question

My recent app spree lowered my AAoA on EQ from 10.1 to 9.9.  Since 1 month doesnt really equate to 0.1 (12 months but AAoA measured in tenths of a year), would the start of November bring my AAoA back to 10.0 years?  I have 30 accounts with 9.9 AAoA right now.  (the underlying question is whether I should expect a score boost when my AAoA goes back over 10 years? I cant tell if I had score hit for it going below as I had high utilization report at same time due to hurricane storm damage repair.)



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,057
Registered: ‎09-29-2009
0 Kudos

Re: 12 months but AAoA is in tenths of a year - question

With that many accounts in the equation my bet would be that you would return to 10 with next months roll around. The AAoA does not appear to be dependent on the accounts reporting for the month but rather the passage of time and the age of the specific accounts. I don't believe we have ever established a proven number of years where there is a point boost for age. I believe that I have read anecdotally that more than 3 and more than 5 (or 6?) seems to provide a boost to some members. I don't recall reading anything about 10 years being a significant factor but YMMV.

In credit reporting there is often such a variety of factors in play (utilization, inquiries, new accounts aging, etc.) that it is difficult to attribute a score change to one factor. The only one I know for sure is a brand new delinquency will tank you and I'm not eager to find out by how much.Smiley Very Happy

Best financial advice I ever got: "Just imagine what an adult would do and do that."

Starting Score: 500's
Current Score: EQ 701 (FICO) TU 721 (FICO) EX 715 (Quizzle)
Goal Score: 760 ALL

Take the FICO Fitness Challenge

Senior Contributor
Posts: 3,070
Registered: ‎11-02-2009
0 Kudos

Re: 12 months but AAoA is in tenths of a year - question

Assuming you are at exactly 9.9 years (i.e., there is no rounding going on there), one more month won't take you over.  You have 297 years of total history, you'll get another 2.5 years with one month across 30 accounts, bringing you to 299.5.  299.5/30 = 9.98.  If you're actually slightly above 9.9, you'll probably cross the 10 year mark.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: 12 months but AAoA is in tenths of a year - question

[ Edited ]

Just do the math if you want specifics...7.8 yrs for example would be 7 years plus X months. 0.8 = X months / 12 months = 9.6 months. So, 7 years 9 months.


BTW, cross-reference your EQ report from with your myFICO report from time to time. A couple of times I found that's AAoA to be inaccurate.


ETA....YMMV on the score change. On November 1 your AAoA will hit 10 years (as seen by FICO). You might see an increase due to the aging of your new TL(s), but I don't think your AAoA alone will improve your score because you have new accounts reporting.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.