Here is my data Marine:
Installment Accounts
Installment accounts are credit accounts in which the amount of the payment and the number of payments are predetermined or fixed, such as a car loan.
Open Accounts
| Account Name | Account Number | Date Opened | Balance | Date Reported  | Past Due | Status | Credit Limit |
| NAVY FCU Show Details | 4300XXXX | 12/2011 | $3,006 | 12/2011 | PAYS AS AGREED | ||
| NAVY FCU Show Details | 4300XXXX | 03/2011 | $14,639 | 12/2011 | PAYS AS AGREED | ||
| U S DEPARTMENT OF ED Show Details |
OPEN ACCOUNTS
| BARCLAYS BANK DELAWA | 3743XXXX | 04/2011 | 01/2012 | PAYS AS AGREED | $5,000 | ||
| CHASE BANK USA, NA | 4266XXXX | 05/2008 | 12/2011 | PAYS AS AGREED | $1,300 | ||
| EXXON/MOBIL/CBNA | 7302XXXX | 09/2009 | 01/2012 | PAYS AS AGREED | $300 | ||
| FINGERHUT/METABANK | 6276XXXX | 10/2006 | 12/2011 | PAYS AS AGREED | $600 | ||
| FT KNOX FCU | 4756XXXX | 03/2011 | 12/2011 | PAYS AS AGREED | $2,000 | ||
| GECRB/WALMART | 6032XXXX | 12/2011 | 01/2012 | PAYS AS AGREED | $800 | ||
| MACY'S/DSNB | 4405XXXX | 02/2008 | 12/2011 | PAYS AS AGREED | |||
| NAVY FCU | 7009XXXX | 03/2008 | 12/2011 | PAYS AS AGREED | $2,500 | ||
| NAVY FEDERAL CU | 4060XXXX | 03/2008 | 01/2012 | PAYS AS AGREED | $5,000 | ||
| NAVY FEDERAL CU | 5140XXXX | 04/2008 | 12/2011 | PAYS AS AGREED | $5,000 | ||
| PA STATE EMPL CU | 8769XXXX | 12/2010 | 01/2012 | PAYS AS AGREED | $5,000 | ||
| PA STATE EMPL CU | 8769XXXX | 12/2010 | 01/2012 | PAYS AS AGREED | $5,000 | ||
| TARGET NATIONAL BANK | 43458XXXX | 02/2008 | 01/2012 | PAYS AS AGREED | $500 |
Closed Accounts
| Account Name | Account Number | Date Opened | Balance | Date Reported | Past Due | Status | Credit Limit |
| BARCLAYS BANK DELAWA Show Details | 5140XXXX | 01/2008 | $0 | 01/2012 | PAYS AS AGREED | $1,300 | |
| CREDIT ONE BANK Show Details | 4447XXXX | 03/2006 | $0 | 07/2011 | PAYS AS AGREED | $1,075 | |
| FIRST PREMIER Show Details | 4869XXXX | 03/2007 | $0 | 10/2008 | PAYS AS AGREED | $250 | |
| HC CREDIT Show Details | 4114XXXX | 03/2007 | $0 | 12/2011 | PAYS AS AGREED | $2,400 | |
| HSBC BANK Show Details | 5268XXXX | 05/2010 | $0 | 12/2011 | PAYS AS AGREED | $305 | |
| HSBC BANK Show Details | 4663XXXX | 03/2007 | $0 | 06/2010 | PAYS AS AGREED | $400 | |
| HSBC BANK Show Details | 5489XXXX | 04/2004 | $0 | 05/2010 | PAYS AS AGREED | $400 |
It's very late and I will check my numbers again tomorrow but this is what I come up with. First without the two Amex cards.
There was no data for the Dept of Ed accounts so my numbers for AAoA come up slightly less than your reports of 3 years, 11 months. I got 3.05 years AAoA but since AAoA is rounded down for scoring it still comes out to an AAoA of 3 years. Here is how I came up with the 3.05 AAoA:
Total numbers of months of accounts reporting: 806. This could be off by a bit because I didn't count this month in calculations. Divide the 806 by the number of accounts (22). Again I didn't use the Dept of Ed account at all. 806/22 = 36.63. Divide 36.63 by 12 to get the number in years which is 3.05.
Now if you add the two Amex accounts the total number of months goes up to 1454 (806+648). Divide this by number of accounts (now 24) and you get 60.58. Divide this by 12 and the new AAoA should be around 5.05. This would round down to 5 years AAoA.
So I came up with basically the same result as mustang but we just used different data. IF we both did it correctly!!! 
As I said it's getting late and my brain needs a rest.
An increase of 2 years on your AAoA is not bad at all.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Congrats ! You are almost doubling your AAoA; that's one way to look at it
@BobbyJ wrote:Hey Marine, here is my US Dept of Ed info for calculation purposes.
USDEPT OF ED ACCT # 70000XXXX DATE OPENED: 4/2003 BALANCE: 7790 DATE REPORTED: 12/2011 PAST DUE: 0 STATUS: PAYS AS AGREED
Thanks again,
Bobby
The numbers won't change much with this.
Without the two Amex cards - Total number of months 910 divided by number of accounts 23 = 39.56 divided by 12 = 3.3 years AAoA
With the Amex cards added - 1558/24= 64.91/12 = 5.4 years AAoA.
Now I don't offer a warranty on my work and someone might find errors but I believe I'm very close on all this.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".