Confused at how AAoA exactly works. My current AAoA is 9 months for April, so as soon as May hits the AAoA will go to 10 months? Or will it go up more slowly because I have 10 credit card tradelines? Assuming it goes up monthly, my 1 year AAoA will be in July. I can expect a small boost in score, or does the boost happen at 13 months? (assume util is optimal)
Gardening until September 2025
@Discover2016 wrote:Confused at how AAoA exactly works. My current AAoA is 9 months for April, so as soon as May hits the AAoA will go to 10 months? Or will it go up more slowly because I have 10 credit card tradelines? Assuming it goes up monthly, my 1 year AAoA will be in July. I can expect a small boost in score, or does the boost happen at 13 months? (assume util is optimal)
It goes up effectively one month each passing month ((number of tradelines x 1 month) / number of tradelines) = 1 month mathematically.
Boosts around AAOA happen when they tick over the year mark, that said I couldn't find anything at 1 year which was expected as there was tons of conventional forum wisdom which stated that AAOA < 2 years = 1 year and I personally haven't found anything in my data to suggest otherwise.
