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## How does the AAoA work?

Senior Contributor

## How does the AAoA work?

AAoA mean average age of accts right? How is that calculated? is it based from the FIRST credit card you opened? Why if you began your credit as a AU does you AAoA begin since you were added as an AU?

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5 REPLIES
Established Contributor

## Re: How does the AAoA work?

BearsAndTurtlesRtheBest wrote:

AAoA mean average age of accts right? How is that calculated? is it based from the FIRST credit card you opened? Why if you began your credit as a AU does you AAoA begin since you were added as an AU?

takes all accounts age with or without au from the account opening date. just get a credit karma account it does it for you for free =P

total credit limits \$108,400 Credit scores Ex 728 EQ 738 TU 758
Message 2 of 6
Valued Contributor

## Re: How does the AAoA work?

Credit karma does not do it correctly actually. They calculate based on open accounts. But FICO calculates it based on all accounts on your credit report including AU accounts
AMEX: \$25,000, CSR: \$10,000, Chase Priority Club: \$1,500, Freedom: \$5000, Freedom Unlimited: \$1000, Discover: \$21,000, BoA \$11,000, WF Cash Wise: \$5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 3 of 6
Frequent Contributor

## Re: How does the AAoA work?

Pretty sure CK is bad at that math. It says my AAoA is 1y 9m but that doesn't come close. It must leave something out of its calculations.
`GangnamFICO wrote:Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.Minor vulgarity edit --Rev`
Message 4 of 6
Valued Contributor

## Re: How does the AAoA work?

SwiftTone wrote:
Credit karma does not do it correctly actually. They calculate based on open accounts. But FICO calculates it based on all accounts on your credit report including AU accounts

+1

I wish that site only did alerts for changes and showed you your profile, the rest is more hassle than it's worth.

 Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)Starting total revolving credit: \$1100 | Current total revolving credit: \$36,700Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014 Chase Freedom \$9500DCU Visa \$10000Capital One QS \$2000AMEX BCE \$3000 Lowe's CC \$8500WalMart CC \$3100BOA Platinum \$600AMEX Gold NPSL
Message 5 of 6
Senior Contributor

## Re: How does the AAoA work?

Thats great! Now I know that the card I was just added as an AU will begin the AAoA clock

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