Moderator Emeritus
Posts: 11,176
Registered: ‎12-30-2011
Re: WellsFargo Secured Card reports different!!!

Actually with the way AAoA is calculated (it *only* goes off the opening date, the closing date is absolutely irrelevant) whether an account is open or closed it makes no difference.

 

While you may have not gotten the tradeline seasoning benefit (FICO appears to like longer tradelines); the lost/stolen label is so common these days that it's likely the most minor reason for any replacement card.  I wouldn't worry about it, 99.9% chance it doesn't even come up if you have to ever do a manual review.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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