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KarimaKC wrote:
Brammy, when you say that deleting old accounts can be reaging my fule, do you mean that these old accounts will be updated as new lates? Like, a late that I had in 2001 can now be construed as a new late because I have asked for it to be debt validated? And if that is the case, then does that mean I could stand to still lose those points? And even moreso, will that account still be deleted by next year (2008), or 7 years from this time (if it is reaged)? I am upset because my scores are currently 603, 638 (now down to 628, all within the last few weeks), and 657. I need to get my middle score up to a 660 to be able to qualify for this teacher program. I am almost scared to move in any direction for fear of more decreases!
Oh no tht's not what I mean at all. Lets say the acount you deleted was from 2000 you didnt open another account until 2001. Before you deleted the account, your credit file was 7 years old. After deletion it is only six years old because its no longer there for FICO to consider.This often happens when collections and old closed accounts age off as well if you didn't have anythingi n good standing during that same time period.