Does AAoA include Installment loans?

[Cmikul]

Trying to calculate my AAoA so I can see how bad I've hurt myself with my apping spree.

I have 24 accts but only 11 of those are revolvers.  The rest are installment loans that are closed.

Do those count as well????? 

Some of them are over 10yrs old so it would help if they did.

I've been calculating only using revolvers.

[Anonymous]

Yes I'm at three years of age with TransUnion and 2 y 6 months with the other one according to Credit Karma. The credit cards are reported on both bureaus pretty much the same the loans are not

[gdale6]

All OC accounts open and closed are included in Ficos AAoA. CAs & PRs are not.

[NRB525]

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@gdale6 wrote:

All OC accounts open and closed are included in Ficos AAoA. CAs & PRs are not.

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Good to know.

um, what's a CA?

what's a PR?

[Revelate]

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@NRB525 wrote:

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@gdale6 wrote:

All OC accounts open and closed are included in Ficos AAoA. CAs & PRs are not.

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Good to know.

um, what's a CA?

what's a PR?

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collection account

public record

[Cmikul]

prior to my app spree I was at 44mths and oldest 17yrs

waiting for all cards to report to find out where it falls now.

I think I added 11 new cards within the last 30days.

Hoping I can stay somewhat in a recoverable state.

[taxi818]

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@Cmikul wrote:

Trying to calculate my AAoA so I can see how bad I've hurt myself with my apping spree.

I have 24 accts but only 11 of those are revolvers.  The rest are installment loans that are closed.

Do those count as well????? 

Some of them are over 10yrs old so it would help if they did.

I've been calculating only using revolvers.

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Open or closed. Revolver or store or charge. or installment loan. They all count in the AAoA. every account you have ever had in the last 10 years are factored into it. The only thing that does not factor into you AAoA are hidden trade lines. And they are few and far in between.  I have 1 and thats it. No affect on AAoA or utilization or anything else other than the initial inquiry which was  a year ago with no affect.

[Anonymous]

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@taxi818 wrote:

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@Cmikul wrote:

Trying to calculate my AAoA so I can see how bad I've hurt myself with my apping spree.

I have 24 accts but only 11 of those are revolvers.  The rest are installment loans that are closed.

Do those count as well????? 

Some of them are over 10yrs old so it would help if they did.

I've been calculating only using revolvers.

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Open or closed. Revolver or store or charge. or installment loan. They all count in the AAoA. every account you have ever had in the last 10 years are factored into it. The only thing that does not factor into you AAoA are hidden trade lines. And they are few and far in between.  I have 1 and thats it. No affect on AAoA or utilization or anything else other than the initial inquiry which was  a year ago with no affect.

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Hi Taxi.  That's close but not quite right.  Some accounts can close and be removed prior from your report in less than 10 years.  Some accounts can close and be on your reports for much longer than 10 years.  And of course open accounts could be on your report for much longer than 10 years.  Better would be to say every account that appears on your credit report is factored into it. 

[taxi818]

What you say is true. In fact. My mom has a 16 year old Macy's account on her report that she has not used since 1998. And it's a mystery why. A friend of mines mom still has positive iaccount from 1987 when fico was still new. Also as I always preach. Staying on report and reporting are two different things. It can come off early. Or even stay on longer. Just meant everything is factored in AAoA. Mine will remain low no matter what seeing my oldest is 2 years old. With 26 accounts. Still can't figure how average age is 1.2 years old.