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Frequent Contributor
CreditChampion
Posts: 255
Registered: ‎03-15-2012

Account Status N/A

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‎07-06-2012 07:14 PM

Does an account with an account status reported as n/a factor into fico scoring at all? Like does that account still affect aaoa etc?

Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
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Revelate
Posts: 4,218
Registered: ‎12-30-2011

Re: Account Status N/A

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‎07-06-2012 08:39 PM

CreditChampion wrote:
Does an account with an account status reported as n/a factor into fico scoring at all? Like does that account still affect aaoa etc?

Qualified probably?  If it's on one's report...

 

I've never seen or heard of that before though (not surprising), would you mind sharing the information on the relevant tradeline?

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)

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pizzadude
Posts: 6,206
Registered: ‎01-28-2010

Re: Account Status N/A

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‎07-07-2012 01:56 PM

CreditChampion wrote:
Does an account with an account status reported as n/a factor into fico scoring at all? Like does that account still affect aaoa etc?

It should be included.....at least if it isn't a PR or a collection is will be included in your AAoA.   If it happens to be a child support tradeline then it is ignored by FICO scoring.   

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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RobertEG
Posts: 14,581
Registered: ‎03-19-2007

Re: Account Status N/A

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‎07-07-2012 05:13 PM

Current account status is a required field to be included in any regular reporting.  It is the current snapshot.

I would suspect that their last reporting simply failed to provde that field code, and thus was noted as unreported.

The scoring of specific account items, such as date of account opening, are not required to be re-reported monthly.  They are sticky-codes that remain until updated.

I dont think it will have any impact on scoring of AAoA.

 

I suspect that their next reporting will show the current status.

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