Posts: 156
Registered: ‎06-01-2012
Re: 11 month or 1 year, does it really make a difference?

OhioCPA wrote:

mmmmmm wrote:

I heard FICO rounds down, so my AAoA would actually show 0, instead of the .9 years, is this true?


FICO does round down for AAoA with the minimum being one year.  Thus, your AAoA won't change for at least another year.

How is that possible?  You're saying that someone with a credit history of 1 month, and someone with a credit history of 1 year, 11 months would have the same score if we were basing it on AAoA alone?