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Regular Contributor
Posts: 166
Registered: ‎09-10-2012

Is the AAoA only on credit cards or on loans as well?

is AAoA only for credit card accounts or if i apply for a loan, that is also considered as an account in the AAoA ?

FICO EX 759 EQ 744 TU 752
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Established Contributor
Posts: 762
Registered: ‎02-11-2012

Re: Is the AAoA only on credit cards or on loans as well?

Installment and mortage loans will factor into your AAOA.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 10/7/2016 EQ 797(Fico) TU 779(Fico) EXP 777 (Fico), EQ 849 (Next Gen 8/31/16 Penfed)

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Re: Is the AAoA only on credit cards or on loans as well?

To add, AAoA is the average age of all of your OC accounts, whether opened or closed, good or bad. So it includes CCs and loans as mentioned, but also includes accounts like HELOCs, LOCs, and even charge-offs. AAoA does not include CAs or PRs.

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