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I'm having "fun" calculating my AAofA.
If I have an AAofA of 7.9 is it rounded to 8 or does it count as 7?
I feel like I've seen this on the forums - but couldn't find it on search.....(Brain is possibly fried).
@smallfry wrote:
Good things are rounded down like AAofA while negative things like utilization are rounded up.
Academically interesting, but of little practical impact. Each year of account aging is less than 10 points in overall FICO impact. Lenght of credit history is only 15% of FICO score, and is not scored based only to AAoA. It also looks at your oldest TL.
And once there, all you can do is just get older. It is a category that you can hurt by opening new accounts, but can only help by getting older.