OP, check your credit history again and AAoA. Are you saying your oldest, opened or closed, is 15 months old? And your AAoA is 3 months? In order for AAoA to be at 3 months, you would have had to open at least 5 new accounts within the past month, or 1+1+1+1+1+15 = 20. 20/6 = 3.33 months. Opening that many will have a negative impact on score. Are you sure these new accounts haven't reported yet? And ditto to MarineVietVet. FICO rounds down AAoA to the nearest whole number. It doesn't report AAoA in months, only years.