Credit Karma - Showing 1 account in collections that my actual report doesn't show

[StartingOver10]

The difference in AAoA from CK is they only use open accounts and FICO uses open and closed accounts to calculate AAoA.

[SunriseEarth]

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@StartingOver10 wrote:

The difference in AAoA from CK is they only use open accounts and FICO uses open and closed accounts to calculate AAoA.

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+1

[axnjxn]

Thanks, StartingOver10, +1. That makes a lot more sense. Funny the CK support guys didn't think of that! I guess that means my TU FICO score will always be higher than the CK FAKO score at least for a while (considering I have a lot of long lasting closed accounts).