PERFECT credit mix??

[Stugotsv10]

youngest is one 12 year and one 16 year besides that 5.x year one

[Anonymous]

OK, then the AAoA is accurate.  It's very common for people to see the Age of Oldest Account on a summary page and mistakenly think that is their average age of accounts.

You may be one of the few people in the country (and possibly only person on this forum) who has several cards on his reports that are 50 years old.  It's so uncommon that I had to double check.

[Stugotsv10]

Fathers card im an AU lol

[Anonymous]

The actual FICO 8 algorithm sometimes ignores AU cards.  (Sounds like you are an AU on several of your father's 50+ year old cards.)  No good way to predict whether it will do that.  There is, however, an easy way to confirm that any particular AU card is being counted.  Let me know if you'd like to know how to test that.

PS.  The fact that an AU card appears to be counted by the front end summary page of a credit monitoring tool unfortunately doesn't tell you what the back end algorithm is doing.  But the test I am mentioning would.

[Stugotsv10]

yes Id love to know

[Anonymous]

Ask your father to get all of the cards on which you are an AU to report a small positive balance.  While he is doing that make sure that exactly one card in your name reports a small positive balance with all other cards at zero.

After all those new CC balances appear on your report, pull your FICO 8 scores.  (The $1 trial at Credit Check Total is a good tool for this.)

Then pay off the one card.  When it also appears as zero, see what happens to your scores.  If they do not change, at least one of those AU cards is being counted.  If your score drops by 15 points or so, then none of the AU cards was being counted by FICO 8.

If at least one is being counted, you can repeat the test card by card, assuming your father is willing to help you out.  Let's suppose you have six AU cards, which I will call AU1, AU2, AU3, ..., AU6.  To isolate whether AU3 is being counted, you'd repeat the test but with all AU cards at zero except AU3.

The test is based on the idea that FICO penalizes youby about 15-20 points when it sees all your cards at zero.  If you have a few AU cards showing a balance, but you still experience the penalty, it must be because FICO is ignoring those cards.

PS.  Do any of the AU cards have a credit limit greater than 50k?  Or are any of them Amex charge cards?  If so that will make it a lot harder to test.

[Anonymous]

OP, if you eliminate AU cards from the equation, what is your AoOA and AAoA?

[Thomas_Thumb]

Never liked AU accounts as they don't represent an individual's credit file. The OP should focus on his individual accounts as that is what matters in the long run.

It would be useful to get a listing of the OP's acounts with age of each account and account type. That's what I would use as a baseline for maximizing score and managing utilization. AU card holders don't often have the privilege of dictating payments on accounts others control. I certainly don't on DW's account