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Positive e accounts fell off, AAoO and AAoA lowered, score increased?

House2021
Frequent Contributor

Positive e accounts fell off, AAoO and AAoA lowered, score increased?

I buy the Experian credit score product with the sctual ficos and the mortgage score as it changes throughout the month.Anyways I'm puzzled, 2 positive accounts dropped off, including one authorized user gas card from 1999-2011 that I was an authorized user on (closed by the credit card when the account holder (not me) filed bankruptcy. These two positive accounts dropped my AAoOA by 4 years and dropped my AAoA by 4 months from 7 years 6 months to 7 years two months (AAoA). My fico8 score went up by 12 points. I'm confused? Grateful of course, but confused. Did dropping AAoA actually improve my credit score?  My mortgage score unfortunately stayed the same. 
Does anyone have any insight?  Maybe Birdman7 do you know 

1 REPLY 1
SouthJamaica
Super Contributor

Re: Positive e accounts fell off, AAoO and AAoA lowered, score increased?


@House2021 wrote:

I buy the Experian credit score product with the sctual ficos and the mortgage score as it changes throughout the month.Anyways I'm puzzled, 2 positive accounts dropped off, including one authorized user gas card from 1999-2011 that I was an authorized user on (closed by the credit card when the account holder (not me) filed bankruptcy. These two positive accounts dropped my AAoOA by 4 years and dropped my AAoA by 4 months from 7 years 6 months to 7 years two months (AAoA). My fico8 score went up by 12 points. I'm confused? Grateful of course, but confused. Did dropping AAoA actually improve my credit score?  My mortgage score unfortunately stayed the same. 
Does anyone have any insight?  Maybe Birdman7 do you know 


The change in AoOA might have moved you from one scorecard to another, which can sometimes change the equation.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 745 TU 750 EX 719

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