Almost 1 year AAoA diff between CRA’s

[expatCanuck]

Just noticed that my AAoA differs by almost a year between bureaus, presumably because each has a slightly different mix of Closed accounts.

• EQ - 7y 4m
• EX - 6y 10m
• TU - 6y 5m

Typical?

[Revelate]

If you have accounts on some but not on others, absolutely typical.

In my case EQ is one month greater AAOA than either EX/TU, and EX/TU are each missing different accounts.

For a lot of people they will have a mix of data on each bureau; it's been getting better over time but there's still a lot of inconsistency when it comes to reported data.

[Anonymous]

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@expatCanuck wrote:

Just noticed that my AAoA differs by almost a year between bureaus, presumably because each has a slightly different mix of Closed accounts.

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Whether or not the accounts are closed isn't relevant.  What matters is whether or not they're on your report or not.  Open and closed accounts both factor into AAoA the same way. 

[calyx]

I mean...

• EQ - 6y 6m
• EX - 4y 5m
• TU - 1y 8m

I think mine is farther apart than typical.
EQ is hanging onto a really old positive closed account (closed 13y ago - I wish I could bribe them to keep it forever)
EX is doubled up on a CO account (single instance of it on the other two... since EX is my highest score and it's going to drop this year, I haven't bother disputing).

I have NO idea what's going to happen when my derog accounts fall off - they're (mostly, exception of EQ) my oldest account(s), so I'll take a hit and a bonus at the same time.  Should be fun.

[Thomas_Thumb]

Wow - highest AAoA is 3.5 times lowest AAoA!  You must have a really thin file given a 5 year spread in AAoA.

Note: Fico scorecard assignment looks at age of oldest account (AoOA) on file (open or closed) not AAoA. AAoA does not affect score card assignment but, it is a scoring attribute. It would be very interesting to see how your reason codes change when that old closed account ages off your EQ report.

[calyx]

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@Thomas_Thumb wrote:

Wow - highest AAoA is 3.5 times lowest AAoA!  You must have a really thin file given a 5 year spread in AAoA.

Note: Fico scorecard assignment looks at age of oldest account (AoOA) on file (open or closed) not AAoA. AAoA does not affect score card assignment but, it is a scoring attribute. It would be very interesting to see how your reason codes change when that old closed account ages off your EQ report.

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I do have a pretty thin file (5 accounts opened last year and 2-5 old closed accounts depending on the CRB).  I'm in my 40s and that one old account is a store credit card I had after college to buy new job clothes.  I don't know why it's still hanging on my report, but I'm certainly not complaining.  I've never had much to do with credit cards until this year (oops), so everything else has just been installment loans (or a paid CO from messing up an installment loan).

It's basically the "problem" with cash-only until later in life, I guess.  I was cleaning up some old-life messiness when I found MF and realized I should probably make good scores/profile happen before I really need it.