AAoA · Average Age of Accounts

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Average Age of Accounts result

Your Average Age of Accounts

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years · months

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Oldest

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Newest

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Total

Mission ReadoutOpen at least one tradeline to see your AAoA.

How we calculate this

AAoA (Average Age of Accounts) is the mean age of every credit account on your file, measured from each account's open date to today. We sum the age of each dated tradeline and divide by the number of accounts.

Account age is a meaningful slice of your FICO score — it rewards a long, established history. We map your average to four educational tiers: Thin (under 2 yrs), Fair (2–5 yrs), Good (5–9 yrs), and Excellent (9+ yrs).

Closing old accounts and opening new ones both lower your average — which is why the Credit Hero playbook protects your oldest tradelines.

Educational estimate — this tool runs entirely in your browser, stores nothing, and does not affect your real credit score.