AAoA differs between CCT and MyFico

Anonymous — Fri, 26 Jan 2018 17:32:10 GMT

Looking for data points from anyone who may have them as they crossed over the 24 months AAoA threshold.

Here is my CCT "Length of History" from January 2018:

Here is my MyFICO "Length of Credit History":

As you can see, they vary qite a bit except for TransUnion (and don't even agree there).

For those who can't see the details, the numbers are:

Experian, CCT is 12.2 years/1.9 years and MyFICO is 5 years 5 months and 1 year 0 months.
TransUnion, CCT is 10.7 years/2.1 years and MyFICO is 10 years 8 months and 2 years 1 months.
Equifax, CCT is 12.2 years/2.2 years and MyFICO is 5 years 6 months and 1 year 5 months.

I'm gardening with no changes to my reports other than CLIs still to report. My AoYA is 11/17 so that should still ding me for a bit.

Per CCT I'm hoping Experian goes to 2 years next week, but MyFICO says it'll be in a year.

Per CCT/MyFICO I shouldn't see any changes from TransUnion as both are already over 24 months

Per CCT, Equifax is already over 24 months but MyFICO says 1 year 5 months so I am 7+ months away from that one, although Equifax is my highest score by far probably due to lowest inquiries but who knows.

That 12+ year old account dropped off TransUnion early (2017) but I expect it to stick around until October 2018. That is a closed AU account on only Experian (as a CC) and Equifax (as an installment loan).

I also have a closed personal account on TransUnion (opened 2007, closed 2011).

I also have a closed personal account reporting on both TransUnion and Equifax (opened 2012, charged off 2014, they threatened to sue me direct so I counterthreatened to sue them and sent them an entire log of all their violations and they changed the chargeoff to closed by creditor and removed all the lates within 1 week of receiving my huge box of recorded violations).

It's a messy profile because of that AU which drops off this year, so I wonder if FICO cares about closed AUs or not. It's a wonder to me that both monitoring services can be so far apart on the AAoA and AoOA though.

topic AAoA differs between CCT and MyFico in Understanding FICO® Scoring

AAoA differs between CCT and MyFico