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I have a membership to CCT and under the "What is hurting your score" is states short credit history and says it is at 2 years and 10 months. Strangely enough under the summary of my credit it says length of history and says that it is 3.4 years. Anyone else notice this discrepency or any clue to how that could show that difference?
One of the places it shows AAoA doesn't include any AU accounts, the other does.
Do you have any AU accounts reporting?
I LOVE THIS SITE!!! Yes I do have 1 AU account on my profile. So does my fico score take that AAoA with the AU into account or is it not a factor to my fico score?
@drmceo wrote:I LOVE THIS SITE!!! Yes I do have 1 AU account on my profile. So does my fico score take that AAoA with the AU into account or is it not a factor to my fico score?
Great question!
I have no idea.
I have an AU on SOME of my credit reports, but it's closed and very old. The only way I'll be able to tell is when it drops off and if I see a credit score change then. I expect it to fall off soon as it hasn't been active since 2007 or 2008. If my score falls, it probably means my age of oldest accounts and aaoa is affected by AU, if my score doesn't fall, then probably not.