Looking for a card with a better CL..

[Anonymous]

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@MarineVietVet wrote:

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@Anonymous wrote:

Include the accounts included in the BK?

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I finally found out an answer for you.

The TLs showing included in BK are included, as are all TLs, regardless of their status.  3rd party collections, public records and (as you might imagine) inquiries are never included in AAoA, though.

Also the AAoA is rounded down so your AAoA is 1 year.

ETA: Forget what I said about your AAoA. I had forgotten you had not included accounts in BK in your calculation.

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

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Thanks for clarifying that.   I had assumed that negative accounts were not included.    I suspect many of us had.  

[Anonymous]

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@Anonymous wrote:

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@MarineVietVet wrote:

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@Anonymous wrote:

Include the accounts included in the BK?

---

I finally found out an answer for you.

The TLs showing included in BK are included, as are all TLs, regardless of their status.  3rd party collections, public records and (as you might imagine) inquiries are never included in AAoA, though.

Also the AAoA is rounded down so your AAoA is 1 year.

ETA: Forget what I said about your AAoA. I had forgotten you had not included accounts in BK in your calculation.

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Thanks for clarifying that.   I had assumed that negative accounts were not included.    I suspect many of us had.  

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who cares you want those things removed regardless even if they add a few years to your average they can only do more harm than good.  With the exception of 30, 60s, 90's from years back on a  current tradeline the negative TL's are useless.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@MarineVietVet wrote:

---

@Anonymous wrote:

Include the accounts included in the BK?

---

I finally found out an answer for you.

The TLs showing included in BK are included, as are all TLs, regardless of their status.  3rd party collections, public records and (as you might imagine) inquiries are never included in AAoA, though.

Also the AAoA is rounded down so your AAoA is 1 year.

ETA: Forget what I said about your AAoA. I had forgotten you had not included accounts in BK in your calculation.

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Thanks for clarifying that.   I had assumed that negative accounts were not included.    I suspect many of us had.  

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who cares you want those things removed regardless even if they add a few years to your average they can only do more harm than good.  With the exception of 30, 60s, 90's from years back on a  current tradeline the negative TL's are useless.

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If you are close to the 7.5 year, you should leave them.   The negatives are removed, but the TL remains as a positive account until 10 years is elapsed.

[Anonymous]

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Rebuilding_76 wrote:  Using the formula given to me below my AAofA is a whopping 1.809.  That is not including accounts in the BK.

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Okay.  Now when you add all your accounts, what do you get for AAofA?  (Or did I miss that somewhere).  That will help you determine if you should be app'ing or waiting for a bit.

[Anonymous]

With closed BK accounts on there I'm up to 2.3.. which if I under stand correctly = 2.  I'm thinking I should just suck it up and wait for my rating to improve a bit?