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So I was just looking on the new CK site and they now have a dedicated page to AAoA (which is great!). However, for both TU and EQ, the AAoA page says I have 2 accounts open and they base my age on them. I currently have two credit cards (in my sig) and 2 student loans with deferred payments until I graduate. They've always reported on my credit report the same way my cards do and I was always under the impression they counted the same way towards my avg age. My question is, when lenders pull my report and calculate my AAoA, do they take into account all acounts or just credit cards?
Creditors count ALL accounts shown on the credit report (aside from collections and public records). Credit Karma shows the average age of OPEN accounts, which is completly useless since this is not a component of FICO scoring.