Hello and welcome to the forums.
You say you have an old credit, that's 7 to 10 years old that's paid as agreed? I can't imagine that factoring negatively against your credit. It's adding AAoA and a positive TL to your CR. You want those old accounts on there. I have a paid Auto loan that was paid off 14 years ago. No way would I want that off mine.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
