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SwiftTone wrote:

For the last month that I started browsing this forum, I was always under the impression that AAoA is calculated from your open accounts. Today after reading some posts, it seems that AAoA is for all credit accounts you've had(one that hasn't fallen off your CR)

 

So my AAoA for my open accounts is 1 year 7 months. myFICO CR tells me that my AAoA is 3 years. I did my own calculations off the "accounts" page on my CR from myFICO and by my calculations, my AAoA is actually 3 years 11 months. Whats going on here?

 

Thanks

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FICO rounds down AAoA for scoring so that's why it's listed at 3 years. In several months your AAoA will read 4 years. Depending of course that you don't get any new credit.

Edited for a typo.

Would I see a score bump once my AAoA reaches 4 years?

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SwiftTone wrote:

Would I see a score bump once my AAoA reaches 4 years?

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I can't answer that but you'll know for sure in a few months. Let us know what happens.

I'm in the process of being added as an AU. So we may never know, we may never know.

How come I see people posting their AAoA that are not in 1 year increments?

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SwiftTone wrote:

How come I see people posting their AAoA that are not in 1 year increments?

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They've either calculated it themselves or are looking at a report that gives it to them in months. Some CMS reports will give you a year and months figure.  But for scoring purposes, it still only matters once it goes over the next year mark.

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Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge

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Walt_K wrote:

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SwiftTone wrote:

How come I see people posting their AAoA that are not in 1 year increments?

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They've either calculated it themselves or are looking at a report that gives it to them in months. Some CMS reports will give you a year and months figure.  But for scoring purposes, it still only matters once it goes over the next year mark.

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Could it be that people misunderstood it the same way I did? I think this may be kind of common.

My last credit report pulled directly from Equifax, not from MyFICO, listed this, "Average Account Age   7 Years, 12 Months".   

Kinda funny that they didn't consider it to be 8 years.   Just goes to show that there is some inconsistanly amongst the reports....

Anyway, I would go by the AAoA that comes from MyFICO, that's what FICO is using in your score calculations....