Over the past year, I have used Affirm a number of times to make a purchase and spread the payment over a number of months. So, it ends up being like a personal loan on Experian. That's the only one of the agencies it reports to. They don't seem to report very well, though. Correct me if I am wrong, but I believe these accounts factor into my AAoA. I currently have the funds available where I could pay them off. But, I got tho thinking that I was paying a Credit Builder Loan a year ago (paid off recently). Do you think I should keep them open and get the additional credit history from them or pay them off and possibly reduce my average age of account?
Other than those accounts, I have 4 open credit cards (not very good ones, but they are all in good shape). 1 closed credit card that was late 60 days. A FC from 4 years ago, even though it is not reported correctly, and I can't seem to get it fixed. And two accounts for Furniture Fair (only on Equifax)...one good and one bad.
