Ok....I am fairly new to this so my questions is probably dumb but....when yall talk about aaoa's is that just for credit cards or everything? All of my credit cards are within 2 months old but I still have a home loan that was paid perfectly from 1995-2005 (that's when the house sold) and a perfectly paid car loan that was paid off around that time as well. So is my aaoa from two months ago because of the open cc accounts or from 1995 when I bought the house even though it's sold??