AAOA

[antgavjoc]

Silly Question,

How is AAOA calculated? Is it your open revolving accounts or a summary of all of your accounts in your credit profile including closed accounts? Is it only CC or other lines of credit as well? Thank you!!

[Remedios]

All open and closed accounts currently on your CR (revolving and installment loans), add them together (in months) and divide by number of accounts.

[Jnbmom]

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@antgavjoc wrote:

Silly Question,

How is AAOA calculated? Is it your open revolving accounts or a summary of all of your accounts in your credit profile including closed accounts? Is it only CC or other lines of credit as well? Thank you!!

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AAOA is calculated by totaling the monthly ages of all the accounts in your credit file (including closed accounts but excluding any collection accounts and judgments) and then dividing this sum by the number of accounts.

here's a neat calculator to put the numbers in.

https://aaoa-calculator.org/