@Anonymous wrote:
@Anonymous no they were not the oldest accounts... We've had car loans for years and I think there was even an old credit line that was not wiped by the BK13.
As far as the tools, right now I'm just using the various FAKO sites to see this as well as the credit score sites on Capital One, Home Depot and Walmart... The last real report I pulled from this site was in August 2016 and they still show on that report.
Are you thinking they may still be there on my real reports? My next full free credit report pull isn't until next year - April, I believe... Or January or whenever the annualcreditreport.com site flips over.
Just so I can be 100% certain we are on the same wavelength, it sounds like you are saying that, in Aug 2016, you had a closed car loan on your credit report with a "Date Opened" that was earlier than the date opened for your first mortgage (2003). That's possible, but it surprises me a bit. A car loan like that would have probably fallen off your reports before 2016.
It nonetheless is possible, however. If so, what is the "date opened" for the closed car loan on the Aug 2016 report? When is the date closed?
One of the reasons I was asking is that I think it is more likely that the thing that has changed is not your AAoA (Average Age of Accounts) but rather your AOA (Age of Oldest Account).
I ask about the tools you are using just to know where you are getting your info about your reports and your AAoA and so on. If you are using Credit Karma that's a great resource for your credit reports. Learn how to navigate to the link where it lets you print out the entire full report. You can do that for both EQ and again for TU. Print them out on single sided paper and then you'll be able to take a pen to them, circle stuff you went to follow up on, etc. Feel free to print them twice or even three times a month if you like. Karma gives you brand new data every 7 days.
But what you do NOT want to use Karma for is the web-based "summary" of your credit report that is at the front end. It looks really user friendly and everything but it will tell you untrue things about age-related factors like AAoA and AOA. Karma's summary software is ancient and it ignores closed accounts, which all major scoring algorithms include.
If you are not a member of Credit Karma yet, I encourage you to join (with the caveat to ignore everything its summary software says about account age). Use it to pull your EQ and TU reports.
Also you should sign up with Experian to get a free monthly credit report:
http://www.experian.com/consumer-products/free-credit-report.html
Between Karma and the link I just gave you, you will be able to access all three of your credit reports once a month for free, without waiting for annualcreditreport.com. Actually, with Karma you will be able to get your TU and EQ reports 3 or 4 times a month if you really want.
If you don't mind, get back to me with the answer about your old pre-2003 car loan and also print out your full credit reports. Those are the tools you should be using if you think that important accounts may have dropped off.
