AAOA QUESTION

[Tomgon1981]

On ck it says my AAOA is 3 months strange because I pulled a 3 in report from eq and it says under TU my AAOA is 3 years 9 months which should I believe???

[DevotionToU]

I would trust what your reports from the actual CRA's say. 

[thmgoodw]

I may be wrong, but I was always under the impression that CK used average age of OPEN accounts, whereas the credit bureaus reported out the average age of all accounts. For me, that is a huge difference.

[growing123]

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@thmgoodw wrote:

I may be wrong, but I was always under the impression that CK used average age of OPEN accounts, whereas the credit bureaus reported out the average age of all accounts. For me, that is a huge difference.

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+1  I've heard the same thing - CK only uses open accounts to calculate you AAoA.

[Lechte]

Every TL on your report is included in your AAoA with the exception of Public Records and Collections....also...some AU accounts may not be included.

[takeshi74]

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@Tomgon1981 wrote:

On ck it says my AAOA is 3 months strange

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Not strange at all.  As indicated above CK provides AAoOA, not AAoA since it only factors in open accounts.  The CK site itself even indicates that it only considers open accounts if you read the text in the Age of Accounts section of your credit report card.

If you're ever unsure with any source you can always calculate AAoA yourself.  I'd recommend convert account ages to months to do so.