@android01 wrote:I disputed two accounts closed in good standing this year. Both accounts were around ten years old and both were due to fall off my report in March and September of 2012 respectively. I disputed them as obsolete. Both were deleted, and I saw a thirteen point increase in my FICO scores. Why? Because both were younger than my AAoA resulting in an increase in my AAoA when they were deleted.
I did the same thing, and it worked out the same way. My objectives were both to clean up my file, and to increase the AAoA. I took the position that the CRA was reporting out-of-date (not inaccurate) information about two old accounts, closed more than 7 years earlier. They did not treat my argument as frivolous, and deleted both.
You have it just right about AAoA. I wish more people -- especially the self-appointed media experts -- would grasp that simple fact about an average!
Starting Score: EQ 804 - (April 2009) 
@Anonymous wrote:
@Nightfallx wrote:
They won't remove it for 7 years, it would probably hurt your fico if you removed it because of the aaoa
Say you apply for a card and get approved,but the terms (or CL) are awful, and
you decide you really don't want it.
If I didn't like the credit limit that was offered, I would not activate or use the card. I would call the card company for recon and if an immediate CLI was not provided, I would refuse to accept the card and ask for the deletion of the tradeline from all reports.
If the card company refused to delete the tradeline, I would dispute the tradeline directly with the bureaus as "inaccurate information".
If you activated or ever used the card there isn't much that you can do.
Disputing the tradeline with the bureaus is basically a "Hail Mary Pass". Nothing much to lose 
.
@CreditAble wrote:
@Anonymous wrote:
@Nightfallx wrote:
They won't remove it for 7 years, it would probably hurt your fico if you removed it because of the aaoa
Say you apply for a card and get approved,but the terms (or CL) are awful, and
you decide you really don't want it.
If I didn't like the credit limit that was offered, I would not activate or use the card. I would call the card company for recon and if an immediate CLI was not provided, I would refuse to accept the card and ask for the deletion of the tradeline from all reports.
If the card company refused to delete the tradeline, I would dispute the tradeline directly with the bureaus as "inaccurate information".
If you activated or ever used the card there isn't much that you can do.
Disputing the tradeline with the bureaus is basically a "Hail Mary Pass". Nothing much to lose
It normally wouldn't show up on reports in the first place I'd think if you never activated it.
@PetRaccoon wrote:
@CreditAble wrote:
@Anonymous wrote:
@Nightfallx wrote:
They won't remove it for 7 years, it would probably hurt your fico if you removed it because of the aaoa
Say you apply for a card and get approved,but the terms (or CL) are awful, and
you decide you really don't want it.
If I didn't like the credit limit that was offered, I would not activate or use the card. I would call the card company for recon and if an immediate CLI was not provided, I would refuse to accept the card and ask for the deletion of the tradeline from all reports.
If the card company refused to delete the tradeline, I would dispute the tradeline directly with the bureaus as "inaccurate information".
If you activated or ever used the card there isn't much that you can do.
Disputing the tradeline with the bureaus is basically a "Hail Mary Pass". Nothing much to lose
It normally wouldn't show up on reports in the first place I'd think if you never activated it.
Most will report whether you activate the card or not
It will stay on ypour report for at least 10 years due to the fact that this is a positive status. Disputing it could lead to it being deleted if they are unable to verify it within 45 days via online dispute or 30 days via mail.
