Closed accounts drop off afrer 10 years, and your score is based entirely on what is on your report. So when old accounts drop off, your average age goes down. I am facing this over the next 4 years or so
This is why I am keeping a very old gas card alive - there are no gas stations that use it in town, but I find one on trips. And this is why I have got all the cards I wanted to get this year - I now want them all to age, and not have any new ones popping up on my report
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid