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Score increase but decrease in AaOA

BellaDreams2020
Valued Member

Score increase but decrease in AaOA

My vantage scored increased 35 pts after my cc posted on my report and I’m now at a 717 (I have 2 get my FICO’s) but my AAOA dropped from 8yrs 8mths to 4yrs 5months. I only had my student loan on my account from 2011. Is this a really bad thing because I needed revolving accounts to help my score because it was stagnant.
Message 1 of 8
7 REPLIES 7
AllZero
Mega Contributor

Re: Score increase but decrease in AaOA


@BellaDreams2020 wrote:
My vantage scored increased 35 pts after my cc posted on my report and I’m now at a 717 (I have 2 get my FICO’s) but my AAOA dropped from 8yrs 8mths to 4yrs 5months. I only had my student loan on my account from 2011. Is this a really bad thing because I needed revolving accounts to help my score because it was stagnant.

Are your student loans closed or open? IIRC, VantageScore does not factor in closed accounts for AAoA.

Message 2 of 8
BellaDreams2020
Valued Member

Re: Score increase but decrease in AaOA

No it’s open and in good standing. I’m currently on a IBR plan that’s has 100% positive payment history
Message 3 of 8
Jnbmom
Community Leader
Super Contributor

Re: Score increase but decrease in AaOA

Vantage are totally scored differently than actual FICO and lenders don’t rely or use vantage much, I wouldn’t focus on those .
EXP 771TU 786 EQ 756
Message 4 of 8
thornback
Senior Contributor

Re: Score increase but decrease in AaOA

So is this now your 1st/only revolving account? If so, the increase from adding the revolver may be enough to temper any loss that may come from reduced AAoA. You may only lose a few points, break about even, or even gain a few depending how the FICO chips fall on your profile.

Either way, it's something your profile needed - that's really how you have to look at it - a potential temporary loss for better, future gains.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 5 of 8
BellaDreams2020
Valued Member

Re: Score increase but decrease in AaOA

I just did a free trial with Experian and it states My FICO’s are: EX-727 EQ-728 TU-707 and my FICO 2 is 731.TU hasn’t updated my CC/Utilization yet, so hopefully I receive a nice increase when they do.
Message 6 of 8
BellaDreams2020
Valued Member

Re: Score increase but decrease in AaOA

I have another cc which has a $500 Limit but they told me it might take 2 cycles before reporting (ugh) but I only received an hard inquiry on Experian with them. I took a hit with all 3 Bureaus with Capital One.
Message 7 of 8
thornback
Senior Contributor

Re: Score increase but decrease in AaOA

Yeah.. the points from the inquiries will be regained on each bureau once they age to exactly 365 from the inquiry date.

Just try not to worry too much about points lost for adding your first few cards... you'll get them back as everything ages and your profile will be better for it.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 8 of 8
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