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AAofA - Is this rounded up/down or just as whole years?

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Anonymous
Not applicable

AAofA - Is this rounded up/down or just as whole years?

I'm having "fun" calculating my AAofA.

Confused smiley emoticon

 

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).

Message 1 of 5
4 REPLIES 4
smallfry
Senior Contributor

Re: AAofA - Is this rounded up/down or just as whole years?

Good things are rounded down like AAofA while negative things like utilization are rounded up.
Message 2 of 5
Anonymous
Not applicable

Re: AAofA - Is this rounded up/down or just as whole years?


@smallfry wrote:
Good things are rounded down like AAofA while negative things like utilization are rounded up.

 

Message 3 of 5
creditwherecreditisdue
Senior Contributor

Re: AAofA - Is this rounded up/down or just as whole years?

This is sadly all too true.   Smiley Sad
Message 4 of 5
RobertEG
Legendary Contributor

Re: AAofA - Is this rounded up/down or just as whole years?

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.

Message 5 of 5
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