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Can't Build AAOA When... Cards

Established Contributor

Can't Build AAOA When... Cards

Can't build AAOA when cards and other older and paid off loans continue to be dropped off my credit report..  I have a number of old (9 plus years) of credit card accounts drop off my reports.. These are older credit cards that were closed a couple of years ago, 2 car loans paid off in 2005 and even a 141k home mortgage that was paid off in 2003..  My current AAOA is only 7 years.. I had an Amex from 1997 to 2000 that is completely gone. My oldest account on my CR is only back to 2001 when I had many other loans back from 95-2000.. How can you build your AAOA when CAs just delete older accounts that are paid off.. These should count for something..  Is it even possible to get them added back on.. Like call Mazda Fin and request that they add my 2 previous loans back on?

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 1 of 19
18 REPLIES
Super Contributor

Re: Can't Build AAOA When... Cards

They can't add it back sorry :/
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 2 of 19
Valued Contributor

Re: Can't Build AAOA When... Cards

well thats the thing, after a closed account hits 10 years after closing it falls of, 

 

maybe get a couple more amex cards? 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 3 of 19
Contributor

Re: Can't Build AAOA When... Cards

Is your AMEX Gold Delta backdated?


Starting Score: 660 - 2010
Current Score: Experian 758, Equifax 767, TransUnion 754
Goal Score: 800


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Message 4 of 19
Regular Contributor

Re: Can't Build AAOA When... Cards

Get a new amex card and get it backdated?
Message 5 of 19
Valued Contributor

Re: Can't Build AAOA When... Cards

A lot of people here always say 10 but in reality is it up to 10 years and can be removed at anytime. I lost many great closed TL's off my report, within 2-3 years of closure. My EQ has none of my old closed accounts, all were removed as my file grew and newer accounts began to report. Nothing you can do about it either.

Message 6 of 19
Established Contributor

Re: Can't Build AAOA When... Cards


mxp114 wrote:

A lot of people here always say 10 but in reality is it up to 10 years and can be removed at anytime. I lost many great closed TL's off my report, within 2-3 years of closure. My EQ has none of my old closed accounts, all were removed as my file grew and newer accounts began to report. Nothing you can do about it either.


+1.  EQ seems quite aggressive in purging closed accounts.  For me it happened it late last month where a dozen closed account (all positive) were deleted in one fellswoop.  They ranged from 3 years to 9 years since date of close.  They are still on TU and EX.  It reduced my AAoA from 11 years to 8.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Message 7 of 19
Blogger

Re: Can't Build AAOA When... Cards


mxp114 wrote:

A lot of people here always say 10 but in reality is it up to 10 years and can be removed at anytime. I lost many great closed TL's off my report, within 2-3 years of closure. My EQ has none of my old closed accounts, all were removed as my file grew and newer accounts began to report. Nothing you can do about it either.


+1

 

Message 8 of 19
Frequent Contributor

Re: Can't Build AAOA When... Cards

Haha I wish equifax would delete 4 old auto loans all only 3-4 months long would help my aaoa.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Message 9 of 19
Established Member

Re: Can't Build AAOA When... Cards

Well that depends on how old they are and how long the rest of your credit history is..

 

The length that the account was open doesn't matter, only how long it's been on your report for.  Example, if you opened up a TL 3 years ago, then closed it after 1 month, it's still going to be calculated in your AAoA as 3 years.  The thing is, once that TL hits 7-10 years from the date you closed it, it then falls off your report and is no longer included in your AAoA...this is the part that can end up helping/hurting depending on whether or not they were good TLs.  It's also why I'm considering paying off most of my SL accounts, but leaving them open and making payments so my credit profile carries a little more age down the road when it comes to mortgage time.

Message 10 of 19