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For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account history"

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BlueMystic
New Contributor

For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account history"

Was using Experian's service to pull my monthly 3B FICOs. All is well, but I did find this reason code from Equifax entertaining.


xVjBFsu.png

 


FWIW, AAoA is well over 10 years.

 

Happy 4th everyone!

Message 1 of 8
7 REPLIES 7
NRB525
Super Contributor

Re: For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account hi

What is your FICO 8 score? 

What are the other reason codes they provided?

 

When did you most recently open an account?

 

Keep in mind they have to provide you Reason Codes, usually four, and those codes can seem like a random assignment if nothing significant is impacting your score. If you don’t have a recent account, don’t have utilization over 10%, don’t have any lates, then they are fishing for something to provide as a Reason.  

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 8
Anonymous
Not applicable

Re: For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account hi

Lmao sounds about right for EQ’s foolishness 😂
Message 3 of 8
Jnbmom
Credit Mentor

Re: For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account hi

Good grief, their reasoning codes and logic never cease to amaze meSmiley Frustrated

EXP 780 EQ 791TU 795
Message 4 of 8
calyx
Super Contributor

Re: For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account hi

I have the same thing with an AoOA at 23+ years (AAoA at 4.5y).  But my AoYA is 1m, which is what I assume it doesn't like.

eq.png

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 5 of 8
Anonymous
Not applicable

Re: For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account hi

It's tough with the negative reason codes to decipher which age of accounts factor(s) are being pointed at quite often IMO.

Message 6 of 8
Revelate
Moderator Emeritus

Re: For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account hi


@Anonymous wrote:

It's tough with the negative reason codes to decipher which age of accounts factor(s) are being pointed at quite often IMO.


Yeah, there's a lack of consistency and it's the first time I've seen "Short Account History" in Experian's CMS.




        
Message 7 of 8
Meanmchine
Super Contributor

Re: For entertainment only: with an AoOA of 23.5 years, Equifax says I have a "short account hi

<boggle>

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 8 of 8
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