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Frequent Contributor
Posts: 408
Registered: ‎07-31-2010

What's your average age of accounts?

I find it almost impossible to get above five years. My file is constantly changing. I have no control over the fact that Sallie Mae opens a new account for each semester student loan and I have no control over the fact that important things come up quite often especially when you own a home and have a growth family.

What your AAoA?


Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012

Re: What's your average age of accounts?

Mine is only 3.1 years

Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013

Re: What's your average age of accounts?

 Mine was over 6 years. Then I opened 3 new tradelines in the last 3 months so now it is less than 2 years. Oh well. That is by design. I figured the way to rebuild is to start a bunch of new tradelines and "garden" them well. I have no need for credit in the immediate to midterm .future so it is the perfect time to start tradelines. Once my oldest ages off in 2016 I will be left with what I started 3 months ago...

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Established Contributor
Posts: 650
Registered: ‎03-01-2012

Re: What's your average age of accounts?

8 yrs on eq.

10 yrs on tu.


EQ has purged most of my closed account before 10 years mark lowering the overall AAoA.

My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Frequent Contributor
Posts: 374
Registered: ‎02-10-2013

Re: What's your average age of accounts?

Oldest account: 1.5 years with Wells Fargo College credit card
AAoA: 0.9 years
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000

Established Contributor
Posts: 502
Registered: ‎04-17-2013

Re: What's your average age of accounts?

I had 6.5 yrs but I recently opened 2 new CC. Once they report, it'll be about 4.5 yrs.

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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Frequent Contributor
Posts: 348
Registered: ‎02-27-2013

Re: What's your average age of accounts?

Mine is 5 according to my fico. But missing two new accounts. I'd say 4.5 once these hit. Mine would ve a lot longer except 7 accounts I closed I didn't understand scoring. 4 autoloans. Ugh maybe they come off early!
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720

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Established Contributor
Posts: 976
Registered: ‎02-14-2013

Re: What's your average age of accounts?

My average is about 8-8.5 years. 2 new TL is about to hit, so I will be interested in seeing how much that drops.
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Established Contributor
Posts: 888
Registered: ‎09-10-2010

Re: What's your average age of accounts?

4 new cards within the past 6 months (2 within the past 1.5 months)


TU = 6 AAOA  11.9 Oldest

EQ = 9 AAOA  18.9 Oldest

EX = ?

TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15

Frequent Contributor
Posts: 351
Registered: ‎04-21-2012

Re: What's your average age of accounts?

Did the CRAs compute the AAoA or did you from your own records?


Starting Score: 732 October 2007; Current Score: 802 EQ; TU 826, July 2016; Goal Score: 810 by end of 2016
Oldest Reporting Account: 14.6 years; EQ AAoA: 6.5 years; typical credit utilization 1.6% typical single card utilization 9.8%

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