How do you find out your average age of account?

[Anonymous]

where is this info?

[llecs]

You can sometimes find it listed in your FICO reports. Otherwise, AAoA is calculated by finding the average age of all of your OC accounts, opened or closed, good or bad. AAoA does not inclide CAs or public records. I calculate it by adding up all the months that each individual account had been opened (this month minus the month in which it was opened). I then add the months from all of the OC accounts and divide the sum of the number into that grand total to find an average. FICO looks at AAoA as a whole number, rounded down, so if you come up with 6.2 yrs, for example, then the AAoA would be 6.

[laz98]

i wish there was a site online that would do this for you.  i'm so lazy!!! 

i would really only want to know if i was close to jumping up to the next year, like from 4-5 or whatever.

[JagerBombs89]

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@laz98 wrote:

i wish there was a site online that would do this for you.  i'm so lazy!!! 

i would really only want to know if i was close to jumping up to the next year, like from 4-5 or whatever.

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If you have USAA CreditCheck Premium, it will calculate your AAoA for you.  Mine currently is sitting at 1.8years  

I am not sure how they handle a CO or a collection though...

[laz98]

oh awesome!  i never noticed that!  i'm going to go check it right now.  thank you!

[JagerBombs89]

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@laz98 wrote:

oh awesome!  i never noticed that!  i'm going to go check it right now.  thank you!

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On the main Credit Summary page, just click the little tab that says "Length of History"...

[laz98]

yep, found it!  thanks again.  i guess i never paid attention because i just go in & refresh my reports!  my AAoA is 3.1 or 3.2, depending which report you look at.