@Anonymous wrote:
Any underwriter worth a half sack of potatoes will see through the AAoA veil that some try to pull over them.
AAoA veil huh? 
Your AAoA is a pretty good indicator of a reliable borrower. I would rather lend to someone with an AAoA of 20 years than someone with an AAoA of 3 months. There is a reason AAoA is a nice chunk of the FICO score. Do you think payment history and and utilization is a veil as well? 
