AAoA Problem

[LatinkidMJ]

Ok, so here's the deal. Both Equifax and Experian are correctly reporting a satisfactorily paid Bloomingdales account from 1993 making my AAoA approximately 23 Years, 6 months, but goddamned TransUnion isn't reporting this account, making my AAoA with THEM only 11 years. WTH? Is there any way to get this resolved? I don't think that one can "dispute" the absence of information, can you? What, if anything, can I do to remedy this problem? I certainly don't have any account information from Bloomingdales so far back and can't for the life of me figure out how to handle this dilemma (even if there was something within my power to do about it). Hopefully the rest of you wise people can weigh in on this subject. This has perpetually made my TU score lower than the others given that everything else is being accurately reported across all three. I welcome your comments and suggestions and hope to hear from some of you soon!!?! MJ

[elim]

If you don't have account info, I'm guessing it's closed?  When was it closed?

[LatinkidMJ]

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@elim wrote:

If you don't have account info, I'm guessing it's closed?  When was it closed?

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Oh it was closed around 1993...I can barely remember even having it, lol.

[Anonymous]

Generally, positive trade lines may stay on your credit bureau reports for 7-10 years after close. So ... if the trade is beyond this period it was likely dropped. Possibly TU would add it back as a jesture of good will but then again they may not.

[Anonymous]

If you closed the account in 1993, in 2003 it should have been removed from your reports.  That said, if it's still showing up on your EQ and EX reports this is in fact incorrect, not correct as you stated and TU is actually the bureau that's correct in this case.  If I were you though, don't poke the sleeping bear as 2/3 of the bureaus are artificially inflating your AAoA when it should in fact be 11 years as TU states. 

From what I've read on these forums though, there's really not much of a difference AAoA wise once you hit about 10 years; anything above that is basically gravy and from what I understand won't improve your score any further... it's more or less just a stronger buffer to keep your AAoA > 10 years should you open a new account or accounts.

[Anonymous]

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@LatinkidMJ wrote:
Ok, so here's the deal. Both Equifax and Experian are correctly reporting a satisfactorily paid Bloomingdales account from 1993 making my AAoA approximately 23 Years, 6 months, but goddamned TransUnion isn't reporting this account, making my AAoA with THEM only 11 years. WTH? Is there any way to get this resolved? I don't think that one can "dispute" the absence of information, can you? What, if anything, can I do to remedy this problem? I certainly don't have any account information from Bloomingdales so far back and can't for the life of me figure out how to handle this dilemma (even if there was something within my power to do about it). Hopefully the rest of you wise people can weigh in on this subject. This has perpetually made my TU score lower than the others given that everything else is being accurately reported across all three. I welcome your comments and suggestions and hope to hear from some of you soon!!?! MJ

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Good comments from everyone.

Even if it were possible to dispute the absence of information, it would mean that the CRA would contact the creditor and ask them about it -- but as I think we are hearing it from you, the original creditor doesn't have a record of it any more, because it was closed so long ago.

The one contribution I think I can make to this thread has to do with a likely confusion you have between AAoA (Average Age of Accounts) and AOA (Age of Oldest Account).  I am fairly certain you are talking about the latter (AOA).  It is possible of course that you have extremely few accounts and you really have an average age of 23 years, but that is incredibly uncommon.  Much more likely is that you are trying to describe a profile that is 23 years old (due to one very old account) versus one that is 11 years old (i.e. your 2nd oldest account is roughly 11 years old).

Age of oldest account is an important factor from that actegory and it governs in part what scorecard you get placed into.  So understanding the difference between AAoA and AOA is important.  An AOA of 23 vs. 11 does matter.

If you are really sure that AAoA is what you are talking about, I'd be curious to hear what accounts are on your profile and how old each one is.  An AAoA > 22 is incredibly rare.,  It's typically only found in a retired person (say) who has had only two accounts in his life: an old open credit card and an old mortgage.

[LatinkidMJ]

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@Anonymous wrote:

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@LatinkidMJ wrote:
Ok, so here's the deal. Both Equifax and Experian are correctly reporting a satisfactorily paid Bloomingdales account from 1993 making my AAoA approximately 23 Years, 6 months, but goddamned TransUnion isn't reporting this account, making my AAoA with THEM only 11 years. WTH? Is there any way to get this resolved? I don't think that one can "dispute" the absence of information, can you? What, if anything, can I do to remedy this problem? I certainly don't have any account information from Bloomingdales so far back and can't for the life of me figure out how to handle this dilemma (even if there was something within my power to do about it). Hopefully the rest of you wise people can weigh in on this subject. This has perpetually made my TU score lower than the others given that everything else is being accurately reported across all three. I welcome your comments and suggestions and hope to hear from some of you soon!!?! MJ

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Good comments from everyone.

Even if it were possible to dispute the absence of information, it would mean that the CRA would contact the creditor and ask them about it -- but as I think we are hearing it from you, the original creditor doesn't have a record of it any more, because it was closed so long ago.

The one contribution I think I can make to this thread has to do with a likely confusion you have between AAoA (Average Age of Accounts) and AOA (Age of Oldest Account).  I am fairly certain you are talking about the latter (AOA).  It is possible of course that you have extremely few accounts and you really have an average age of 23 years, but that is incredibly uncommon.  Much more likely is that you are trying to describe a profile that is 23 years old (due to one very old account) versus one that is 11 years old (i.e. your 2nd oldest account is roughly 11 years old).

Age of oldest account is an important factor from that actegory and it governs in part what scorecard you get placed into.  So understanding the difference between AAoA and AOA is important.  An AOA of 23 vs. 11 does matter.

If you are really sure that AAoA is what you are talking about, I'd be curious to hear what accounts are on your profile and how old each one is.  An AAoA > 22 is incredibly rare.,  It's typically only found in a retired person (say) who has had only two accounts in his life: an old open credit card and an old mortgage.

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Thanks CreditGuyInDixie for the clarification. I just rechecked my FICO 3B report and it says the following: My AAoA is 6.8 (EX), 6.6 (TU), and 6.5 (EQ) and my AOA is 23.6(EX), 11(TU), 23.6(EQ). I should also add that it also states that "FICO High Achievers opened their oldest account 25 years ago, on average" and for the AOA its "over 10 years". So it would appear that both you and BrutalBodyShots are correct about how this element factors into one's score. I just wish there was something that I could do for that damned TU reporting, but I guess there's nothing that I can do, so I'll let sleeping dogs lie as others have suggested.