Understand AAOA

[Anonymous]

I am tying to understand AAOA and need some help.  When I look at my scores on MyFICO they show EX AAOA 5 years 7 months, TU AAOA 3 years 6 months and EQ 4 years 1 month, however if I look at CK it shows 1 year 10 months for TU and EQ.  Can someone help me understand how to figure AAOA?  I understand that it can be different on each report based on who is reporting to what agency.

[Anonymous]

CK only takes into account open accounts so that's useless. The others should all be the same since they rightfully include all opened and closed accounts. The difference could be that you don't have all accounts reporting to all agencies.

[thornback]

CK / Vantage models only consider open accounts in your AAoA - which is likely why that AAoA is much lower.   FICO considers both open and closed accounts.   And, as you stated, the discrepencies in your FICO AAoA are likely due to which accounts are / are not reported to each bureau. 

[Anonymous]

Thank you! That helps me a lot.

[kshurika]

I'm a subscriber to myFICO monitoring. Where exactly does it show AAoA? I can't find it.

[Anonymous]

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wrote:
I'm a subscriber to myFICO monitoring. Where exactly does it show AAoA? I can't find it.

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I'd like to know this also.

[Anonymous]

I found them on the home page of MyFICO when you log in under insights. You can click on each one of the credit reports and it will tell you about each report and what is helping you and hurting you.

[Anonymous]

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wrote:
I found them on the home page of MyFICO when you log in under insights. You can click on each one of the credit reports and it will tell you about each report and what is helping you and hurting you.

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I don't see anything that says'insight'. Where is it on the page, top, bottom, right/left side, middle?

[Anonymous]

From the mobile app it is straight at the bottom in the middle of the page. It looks like a banner and you have to slide it up.

[Anonymous]

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wrote:
From the mobile app it is straight at the bottom in the middle of the page. It looks like a banner and you have to slide it up.

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Then maybe it's just on the mobile app as I don't see on my desk top.