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AAoA Question

Not applicable

AAoA Question

I thought until recently that when you get added as a authorized user on someone else's old card, the account age on your credit score only starts when you get added for that card, not when the account was created. Here is an example to help explain.

I have 2 cards that are both my cards and are 5 years old, so my AAoA is 5 years. I get added onto my moms credit card that is 20 years old.

Dose my AAoA go to 10 years or 3.3 years?

Message 1 of 6
Moderator Emeritus

Re: AAoA Question

Message 2 of 6
Valued Contributor

Re: AAoA Question

I think it may be 10 also. This is one of those cases where being added actually helps you.

Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 3 of 6
Not applicable

Re: AAoA Question

10 years.  It would only go to 3.3 years if she opened up a BRAND NEW account and added you as an authorized user.  Adding you as an AU to a 20 year account using the numbers you gave is significant as it doubles your AAoA.

Message 4 of 6
Senior Contributor

Re: AAoA Question

Keep in mind that accounts where one is an AU are not always considered by scoring models and/or creditors.  Don't rely too heavily on being an AU and focus on your own tradelines.


Additionally, accounts don't all report the same way.  AmEx, for example, reports the tradeline as opened when the AU was added.

Message 5 of 6
Valued Contributor

Re: AAoA Question

While your AAofA may indeed go to ten years, it may not survive a manual review, depending on the lender, for a mortgage. It will benefit you applying online for credit cards. However, if your approved, it will drop your AAofA back down. :-)

Kinda like a catch-22 situation. 

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 6 of 6
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