TU4 AAoRA Score Help

UpAndComing74 · ‎12-10-2020

@Anonymous

I found a nugget I want to ask about. AAoRA. On my TU4 score reasons it is listed...

First Question... Is this OPEN Revolving Accounts or does it Average in Closed Accounts as well.

In combing through TU account I found a duplicate Chase Card account that is not "real" it was opened on the same day as my Current card and then closed a day after. Surely that skews my Average age. I called Chase and they said dispute it and it will be deleted, but it didnt count in average. Is it worth a point bump to dispute it and get it removed to increase my averages? Or truly insignificant because it is closed. Set to pull credit in 30 days, so the dispute process would run close to time.

Starting Score: 614
Current Score: 614
Goal Score: 700

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thornback · ‎12-10-2020

Closed accounts - even those only open for a single day - still factor into your average age and continue to age for as long as they remain on your reports. Have you done the math of what your AAoRA and AAoA would be with and without this account?

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

UpAndComing74 · ‎12-10-2020

@thornback wrote:
Closed accounts - even those only open for a single day - still factor into your average age and continue to age for as long as they remain on your reports. Have you done the math of what your AAoRA and AAoA would be with and without this account?

Doing math now..

How do I calculate the one day account? Is that considered 1 month?

If an account is opened Middle of month..is that counted as an entire month?

Starting Score: 614
Current Score: 614
Goal Score: 700

Take the FICO Fitness Challenge

UpAndComing74 · ‎12-10-2020

@thornback wrote:
Closed accounts - even those only open for a single day - still factor into your average age and continue to age for as long as they remain on your reports. Have you done the math of what your AAoRA and AAoA would be with and without this account?

WAAAIIITTT A MINUTE????

if they continue to age.. Then even it was open for a day and close 03/2017...then that means it's still aging?? 3 years and counting?

Starting Score: 614
Current Score: 614
Goal Score: 700

Take the FICO Fitness Challenge

thornback · ‎12-10-2020

@UpAndComing74 wrote:
@thornback wrote:
Closed accounts - even those only open for a single day - still factor into your average age and continue to age for as long as they remain on your reports. Have you done the math of what your AAoRA and AAoA would be with and without this account?
WAAAIIITTT A MINUTE????

if they continue to age.. Then even it was open for a day and close 03/2017...then that means it's still aging?? 3 years and counting?

Yes.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

thornback · ‎12-10-2020

@UpAndComing74 wrote:
@thornback wrote:
Closed accounts - even those only open for a single day - still factor into your average age and continue to age for as long as they remain on your reports. Have you done the math of what your AAoRA and AAoA would be with and without this account?
Doing math now..

How do I calculate the one day account? Is that considered 1 month?

If an account is opened Middle of month..is that counted as an entire month?

It starts at 0. So of it was opened on Dec 15, it turned 1 month old on Jan 1. Then 2 months Feb 1, and so on. They age on the first of the month.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

UpAndComing74 · ‎12-10-2020

@thornback

If these things age regardless. Then it appears I lose .06 in time by removing the duplicate. May leave it be huh?

Syncb/Amazon Plcc	50	50
Charge Account Kay Jewelers	58	58
Charge Account Webbank/Fingerhut	67	67
Credit Card Discover Financial Servi	49	49
Credit Card Capital One Bank Usa Na	50	50
Credit Card Credit One Bank	58	58
Credit Card Capital One Bank Usa Na	22	22
Credit Card Navy Federal Cr Un	5	5
Credit Card The Bank Of Missouri Ret	22	22
Credit Card Syncb/Ppc	33	33
Credit Card Merrick Bank	18	18
Credit Card Credit Card/Fb & T	6	6
Credit Card Jpmcb Card Services	45	45
Credit Card Apple Card - Gs Bank Usa	5	5
Credit Card Mission Lane Tab Bank	42	42
Credit Card Bank Of America	67	67
Credit Card Jpmcb Card Services	45
Credit Card People's Trust Federal C	150	150
	Average 44	Average 43.94

Starting Score: 614
Current Score: 614
Goal Score: 700

Take the FICO Fitness Challenge

thornback · ‎12-10-2020

Yes. Let it be.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎12-10-2020

If it's on your report, it's being factored into your age of accounts. If keeping the account on your report would positively impact your age of accounts, I'd allow it to stay. It also wouldn't be a bad idea to pull a copy of your real TU report to verify that it's there twice, as on occasion reports you see from a CMS can show something different.

UpAndComing74 · ‎12-10-2020

@Anonymous wrote:
If it's on your report, it's being factored into your age of accounts. If keeping the account on your report would positively impact your age of accounts, I'd allow it to stay. It also wouldn't be a bad idea to pull a copy of your real TU report to verify that it's there twice, as on occasion reports you see from a CMS can show something different.

I pulled from Annual Credit and from the actual TU website. Do you concur that although it was opened and closed the next day in 2017... it is still ageing and factoring into my AAoRA?

Starting Score: 614
Current Score: 614
Goal Score: 700

Take the FICO Fitness Challenge