Closed Accounts Affect Score?

[MickeyGMoney]

I recently had a card upgraded to a new product. It was my oldest at 3 years 11 months. On my credit report it shows that card as closed as well as a new, open, identical account. They both have the same details including the date opened (1 closed with 3 years 11 months and 1 open with 3 years 11 months).
The same thing happened with a different card aged 2 years 11 months (they thought it was stolen and missused). I have a closed version as well as an open version.

My question is: do those both affect the average age of accounts? I know the average age of open accounts is a scoring factor which would be separate. I'm asking in regards to the average age of accounts metric. If that does, in fact, boost my average age of accounts, is it possible to abuse the system that way? One could report their cards as lost to have it closed and a new account issued which could make your oldest accounts have a double age weight.

[SouthJamaica]

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@MickeyGMoney wrote:

I recently had a card upgraded to a new product. It was my oldest at 3 years 11 months. On my credit report it shows that card as closed as well as a new, open, identical account. They both have the same details including the date opened (1 closed with 3 years 11 months and 1 open with 3 years 11 months).
The same thing happened with a different card aged 2 years 11 months (they thought it was stolen and missused). I have a closed version as well as an open version.

My question is: do those both affect the average age of accounts? I know the average age of open accounts is a scoring factor which would be separate. I'm asking in regards to the average age of accounts metric. If that does, in fact, boost my average age of accounts, is it possible to abuse the system that way? One could report their cards as lost to have it closed and a new account issued which could make your oldest accounts have a double age weight.

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It doesn't boost your average age of accounts, it lowers it, because it's showing a new account.

It's unfortunate that when you did the product change they couldn't just carry it over as one account.

I misunderstood the facts you had presented.  Both "new" accounts have the old opening date. 

I guess it's possible to increase the average age of accounts that way, but I would say it's a rarity for these types of events to be reported that way.

Depending on what other accounts you had, and their age, it could lower your AAoA, boost your AAoA, or leave it unchanged.

[House2021]

I had something similar happen but it was harmful as it was an account that double reported but is less than a year old, bringing down my average age of accounts. I didn't even open a new account or upgrade, I just needed a replacement t card because my card was stolen/had fraud 

[babygirl1256]

It would seem like both (old and new) accounts would factor into your average age of accounts. I would recommend directly accessing the 3 CRAs and obtain you "free" credit report and it will reflect your AAoA, repeat the same pulls in 3 months and compare the results.