How Trust Worthy is Credit Karma

[Anonymous]

I know it has been repeated many times on this forum but are we 100% sure VantageScore 3.0 includes close accounts in AAoA? I ask this because other than CK, I also get Vantage from CreditWise (CapOne), Nerdwallet and Mint, all of which excludes closed accounts (AAoA) in their front end software. If just CK sure but all of them?

[Anonymous]

Great point, Oldman.  I know the official wisdom is that V3 does include closed accounts in its age-related scoring factors, but I agree it would be helpful to see the basis for that again.

[iv]

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@Anonymous wrote:

I may have heard that the old Vantage 2.0 algorithm ignored closed accounts, and that's why Karma's summary page still ignores them.  It's hard to believe because Karma has made major overheauls to its front end since it began using Vantage 3.0 (which was years ago).  Hard to imagine why they haven't fixed it yet.

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Nope. VS2.0 also counted closed accounts.  Maybe it was from the TU New Account Score they had available way back when?

Or, more likely, it's just plain wrong. And has been all along.

[iv]

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@Anonymous wrote:

Great point, Oldman.  I know the official wisdom is that V3 does include closed accounts in its age-related scoring factors, but I agree it would be helpful to see the basis for that again.

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Sure - here you go: https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/AAoA-in-Vantage-3-0-vs-FICO-8/m-p/4537669/highlight/true#M107568