Types of accounts used to calculate AAoA

[money_talks]

Does FICO care what accounts are used to calculate AAoA? For example, if 2 persons have the same CR with the same exact length of history. But one of them has all open and positive TLs, while the other has all CO accounts, would this 15% of the scoring be the same for both persons? Or would FICO ding the person with the COs for some reason?

Person #1 (AAoA=3 years, all open and positive TLs)

Person #2 (AAoA=3 years, all CO TLs)

Also, does FICO care how many accounts are used to calculate your AAoA?

[Anonymous]

For FICO AAoA, all OC accounts, open, closed, good or bad are included.

Naturally, the CO accounts will be dinged but not in calculating AAoA.

[money_talks]

guiness56, so in my example above, FICO would award the same exact points for the 15% of scoring to both individuals, correct?

[llecs]

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@money_talks wrote:

guiness56, so in my example above, FICO would award the same exact points for the 15% of scoring to both individuals, correct?

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Not necessarily...Person 1 would be in a different scoring bucket than Person 2. The points can be weighted differently based on what's on the report already. And to be technical....Person 2 wouldn't have a FICO score because there are no open or active accounts if all are CO'd.

[money_talks]

llecs, those are good points. I will rephrase my question, if 2 people were in the same scoring bucket (not my example above) and both had a different mix of TLs on their CR (open, closed, COs, etc) but same AAoA, would FICO award the same 15% scoring to both?

Also what do you mean the points can be weighed differently based on what's on the CR already? Doesn't FICO only care about your history and nothing else when assigning this 15% of your score?

[Anonymous]

Since you were asking specifically about what accounts are used to determine AAoA, I stand by my answer.  It is the ages of all OC accounts.

[llecs]

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@money_talks wrote:

llecs, those are good points. I will rephrase my question, if 2 people were in the same scoring bucket (not my example above) and both had a different mix of TLs on their CR (open, closed, COs, etc) but same AAoA, would FICO award the same 15% scoring to both?

Also what do you mean the points can be weighed differently based on what's on the CR already? Doesn't FICO only care about your history and nothing else when assigning this 15% of your score?

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On the first part, the only way that the point change would EXACTLY match would be if Person #1 and Person #2 had the EXACT same TLs reporting with the same open dates, stati, balances (maybe, maybe not balances), same AAoA, same length of history, etc. In other words, they would have to be mirrored reports. If anything is off like length of history, COs on one and not the other, etc., then that could throw it off and result in different points for one over the other. The FICO scoring reasons (the top negative 4) would have to match too.

For example, ever read in these forums concerning util changes? Some in here, myself included, have experienced FICO changes of 100+ points just by paying down util 80-90%. Others in here have posted that they paid down util by as much but only saw 20-30 points. Why is that? Different buckets. Or take inquiries as an example. Some in here have added one inquiry when they were inquiry-free and saw a 4-5-6-7 point drop. Others have done the same and saw no change. Again, buckets are a large determinant of how points are gained or lost when changes occur.

That 15% isn't fixed. The entire pie chart comprising and making up your FICO score isn't fixed. It slides around based on bucket. 

[llecs]

And ditto to guiness based on your thread title....alll OC accounts (all TLs listed on the Accounts page of your FICO report) make up and factor into AAoA.

[money_talks]

Thanks to both. I thought it was clear cut. So it's easy to calculate but gets more difficult when scoring it.