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New Contributor
Posts: 55
Registered: ‎10-28-2012

AAOA calc - does it include duplicate accounts due to the card being closed because of fraud

So I know that normally closed accounts are still considered when calculating your AAOA for your FICO score (at least according to the sticky!). A couple of weeks ago due to a thread on this forum I started wondering if for duplicate accounts on my CR (when the first one is closed due to fraud and the bank opens up a second identical account on my CR with the same account opening date) whether both are counted for AAOA or if it knows to only use one.


Fictious Example of what my CR might look like:


Bank     |    Account opening date


Bank A - 03/2010 [closed due to Fraud on 06/2011]

Bank B - 03/2011

Bank A - 03/2010 [this is the reissued card of the original 03/2010 card]


Would my AAOA be:


Option a) [include the duplicate]: (2x 3 years + 1x 2 years) / 3 cards = ~2.67 years

Option b) [ignore the duplicate]: (1x 3 years + 1x 2 years) / 2 cards = ~2.5 years


OK in this example there isn't a huge difference but you get the idea Smiley Tongue


This started out as a mere curiosity, but since my Citi Forward card got frauded this morning Smiley Sad and they're reissuing it, I'm actually really rather curious to find out an answer to this. Is there a way I can check my AAOA now and then in a month or two after the new reissued Citi card reports? That would settle the question. I'm not prepared to pay tens of dollars just to satisfy my curiousity.


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Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

Re: AAOA calc - does it include duplicate accounts due to the card being closed because of fraud

All accounts listed on your Accounts page on your FICO report are included into AAoA, whether opened or closed, stolen or not, good or bad, Charged-off, not charged-off, etc.

Established Contributor
Posts: 888
Registered: ‎09-10-2010

Re: AAOA calc - does it include duplicate accounts due to the card being closed because of fraud

Great question.  And thanks for an answer.  I often wondered that.  I have 2 accounts listed twice and I just did the AAOA math and it appears to include them.

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Frequent Contributor
Posts: 348
Registered: ‎02-27-2013

Re: AAOA calc - does it include duplicate accounts due to the card being closed because of fraud

It depends on creditor hsbc shows as diff account c1 kept as 1 account tl. So it varies. But I have have gemb banana which is still reporting though closed I have a new one open so it helps I guess.
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