Do CLOSED accounts count toward my AAofA?

[Pigeyex]

Many years ago, I foolishly closed some paid-as-agreed accounts.  They show on my credit reports as "Closed by Consumer," but are these accounts counting toward my AAofA since they are closed?

Does it ever make any sense, score-wise, to try to get old accounts re-opened and back-dated to their original date opened?

In trying to improve my credit scores and get some higher CLs, I've had to open a couple of new accounts, and now my AAofA has dipped just below 10 years (oldest is 25+ years).  I'd like to get that AAofA back over 10 years, if possible.

thanks,

Pigeye

[Shogun]

Yes, with FICO scoring models closed accounts still factor into your AAoA.  That's one of the big discrepancies with Credit Karma and some of the other free scores, they don't factor in closed accounts.  With FICO they stay on generally for 10 years adding on to your AAoA.

This makes good sense.  Say you've paid on a mortgage for 30 years perfectly.  You pay it off, suddenly, that doesn't mean anything?  I wouldn't think that gives a good picture of your credit worthiness.

[Pigeyex]

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@Shogun wrote:

Yes, with FICO scoring models closed accounts still factor into your AAoA.  That's one of the big discrepancies with Credit Karma and some of the other free scores, they don't factor in closed accounts.  With FICO they stay on generally for 10 years adding on to your AAoA.

This makes good sense.  Say you've paid on a mortgage for 30 years perfectly.  You pay it off, suddenly, that doesn't mean anything?  I wouldn't think that gives a good picture of your credit worthiness.

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Thanks, Shogun -- it DOES make good sense.  Glad to hear that my few "oldies but goodies" TLs are helping my score, even though they're closed.

Pigeye