@Anonymous wrote:I'm almost certain that there's no difference having a AAoA of 4 years vs 4.5 but someone with more knowledge will be able to chime in and confirm that. Don't sweat a 1 month increase in utilization if you know you're going to be right back down the following month. No big deal to lose a handful of points one month as long as you know they are coming back the following month which is how it works with utilization.
Won't be, AAOA calculates on rounded down year boundaries at least through FICO 8, so 4.5 = 4.
