@Anonymous wrote:
@Anonymous wrote:
Credit Karma's VS3 score doesn't include closed accounts in aging calculations
This is a common misconception due to CKs summary front end, which you are correct doesn't include closed accounts for the averages they display. Closed accounts are however included in VS3 age of accounts (just like Fico scoring models) even though CK would suggest otherwise.
I remember that coming up once. Wallethub does the same thing as CK with my accounts - it doesn't include my closed SSL that aged to 1yr 0mo before I closed it.
There is some ambiguity from VantageScore itself on when it will drop closed accounts:
"FICO and VantageScore differ on how they factor for a closed credit-card account. FICO ignores the closed account status and continues averaging its age with your active accounts. Depending on the type of account and your credit profile, VantageScore may drop the closed account, shortening your overall age of credit."
( https://www.vantagescore.com/news-story/329/9-myths-about-credit-scores )
Did anyone ever find out which account types they are talking about here?
