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Oldest account not being counted

SeeSaw
Valued Member

Oldest account not being counted

When I view a summary of all my reports,  they each say that one of my negatives is that my oldest account is only 4+ years old, which isn't true. My oldest active account was opened 20 years ago. Can someone explain to me why this perfectly paid account isn't being counted?Screenshot_20220105-144402_Experian.jpg

 

Screenshot_20220105-144319_Experian.jpg

 


In the garden until July 2022
Message 1 of 7
6 REPLIES 6
dragontears
Senior Contributor

Re: Oldest account not being counted


@SeeSaw wrote:

When I view a summary of all my reports,  they each say that one of my negatives is that my oldest account is only 4+ years old, which isn't true. My oldest active account was opened 20 years ago. Can someone explain to me why this perfectly paid account isn't being counted?Screenshot_20220105-144402_Experian.jpg

 

Screenshot_20220105-144319_Experian.jpg

 


Is that account yours or is it an AU? 

Message 2 of 7
SeeSaw
Valued Member

Y oldest Re: Oldest account not being counted

It's an AU.

Oddly, I just looked at my Vantage 3 from NavyFed and it shows my oldest account as 15 years old


In the garden until July 2022
Message 3 of 7
OmarGB9
Community Leader
Super Contributor

Re: Y oldest Re: Oldest account not being counted

Well firstly, if it was opened in 2007, that makes it only 15 years old, not 20.

 

Secondly, if it's an AU then that's why, because it's not YOUR account. It's whomever the primary cardholder is's account. You're just authorized to spend on it (technically speaking).


Last App: 12/27/2021
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Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 7
SeeSaw
Valued Member

Re: Y oldest Re: Oldest account not being counted

Lol, thanks. 

When you wake up at 3am, your math is a little fuzzy late in the day.

 

On my Vanguard 3.0 that account is factored in. 


In the garden until July 2022
Message 5 of 7
OmarGB9
Community Leader
Super Contributor

Re: Y oldest Re: Oldest account not being counted


@SeeSaw wrote:

Lol, thanks. 

When you wake up at 3am, your math is a little fuzzy late in the day.

 

On my Vanguard 3.0 that account is factored in. 


Vantage? Smiley Tongue

 

Anyway, Vantagescores use a completely different formula than FICO scores, so you're comparing apples to oranges here.


Last App: 12/27/2021
Penfed Power Cash Rewards Visa Signature

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 7
SeeSaw
Valued Member

Re: Y oldest Re: Oldest account not being counted

I'm not making a comparison 

I was only commenting that while that account wasn't counted in my fico reports, it was counted in vantage. A lot seems to have changed in the years I wasn't really paying attention to the credit world. I have several accounts that I paid off many years ago on my way out of the military that are no longer on my credit reports. 


In the garden until July 2022
Message 7 of 7
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