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Does an account in good standing aging to 4 years old help with the credit score?

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Anonymous
Not applicable

Does an account in good standing aging to 4 years old help with the credit score?

My dell account is about to turn 4 on July 5, 2009 and I was wondering if that will give me any sort of point boost? It is also the only account with a balance. thank you.
Message 1 of 11
10 REPLIES 10
smallfry
Senior Contributor

Re: Does an account in good standing aging to 4 years old help with the credit score?

Baddies on your reports are?
Message 2 of 11
Anonymous
Not applicable

Re: Does an account in good standing aging to 4 years old help with the credit score?

several baddies, but not with this account.
Message 3 of 11
haulingthescoreup
Moderator Emerita

Re: Does an account in good standing aging to 4 years old help with the credit score?

I don't think that one account hitting 4 will do anything. Now, if your AAoA rolls over to another even year, then you might see something.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 4 of 11
smallfry
Senior Contributor

Re: Does an account in good standing aging to 4 years old help with the credit score?


@haulingthescoreup wrote:
I don't think that one account hitting 4 will do anything. Now, if your AAoA rolls over to another even year, then you might see something.

Even year huh? 

Message 5 of 11
haulingthescoreup
Moderator Emerita

Re: Does an account in good standing aging to 4 years old help with the credit score?


smallfry wrote:

@haulingthescoreup wrote:
I don't think that one account hitting 4 will do anything. Now, if your AAoA rolls over to another even year, then you might see something.

Even year huh? 



Oh, sorry, good catch. No, I meant like going from 3y 11m to 4 years even, or 4y 11m to 4 years even. Not even/ odd years.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 6 of 11
Anonymous
Not applicable

Re: Does an account in good standing aging to 4 years old help with the credit score?

I looked over at my age off accounts and its hard to calculate, but with my calculation, he should go from 3 years to 4 years in 1 to 2 months.
Message 7 of 11
Anonymous
Not applicable

Re: Does an account in good standing aging to 4 years old help with the credit score?

Does anyone know how to calculate it correctly if I list all my account ages?
Message 8 of 11
smallfry
Senior Contributor

Re: Does an account in good standing aging to 4 years old help with the credit score?

Yep
Message 9 of 11
Anonymous
Not applicable

Re: Does an account in good standing aging to 4 years old help with the credit score?

Ok, here are the ages of each account:

 

4 years, 2 years 10 months, 4 years 2 months, 3 years, 4 years 3 months, 4 years 5 months, 3 years, 3 months, 7 years 3 months, 1 year 6 months, 6 months, 2 years, 2 years 1 month, 4 years 6 months, 5 years 3 months.

 

Thank you in advance for anyone that can help me calculate this... 

Message 10 of 11
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