as requested by revelate. im coming in here to gain knowledge of how installment effects my score. 

at the moment I have 9cc and 1 installment loan(lease on my car) 

Best Buy Opened October '10

Macy's  December '10

Kohl's Jan '12

CC Jul'12
Chase Freedom Jul'12

AE Jul'12
Walmart Jul'12

Zync August 12'

CC August 12'

Lease. Obtained August 30th 2012 but I think only reported from sep 36 month loan.

soo all together my aaoa would be? (as of today counting oct.) 

24+22+10+4+4+4+4+3+3+2 (80)/10? is that correct. 

so aaoa is 8 months? and subsequently go up every month by 1. (obviously) 

so how much does the installment loan effect my score? I read the util is almost microscopic its the history and payments that matter. 

Current: EQ FICO 675, TU FICO 692, Walmart TU 730 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000