Can't build AAOA when cards and other older and paid off loans continue to be dropped off my credit report.. I have a number of old (9 plus years) of credit card accounts drop off my reports.. These are older credit cards that were closed a couple of years ago, 2 car loans paid off in 2005 and even a 141k home mortgage that was paid off in 2003.. My current AAOA is only 7 years.. I had an Amex from 1997 to 2000 that is completely gone. My oldest account on my CR is only back to 2001 when I had many other loans back from 95-2000.. How can you build your AAOA when CAs just delete older accounts that are paid off.. These should count for something.. Is it even possible to get them added back on.. Like call Mazda Fin and request that they add my 2 previous loans back on?
$30,500
$18,500
NPSL
$15,000
$10,000
$25,000
$32,000
well thats the thing, after a closed account hits 10 years after closing it falls of,
maybe get a couple more amex cards?
Is your AMEX Gold Delta backdated?
Starting Score: 660 - 2010
Get a new amex card and get it backdated?
A lot of people here always say 10 but in reality is it up to 10 years and can be removed at anytime. I lost many great closed TL's off my report, within 2-3 years of closure. My EQ has none of my old closed accounts, all were removed as my file grew and newer accounts began to report. Nothing you can do about it either.
@mxp114 wrote:A lot of people here always say 10 but in reality is it up to 10 years and can be removed at anytime. I lost many great closed TL's off my report, within 2-3 years of closure. My EQ has none of my old closed accounts, all were removed as my file grew and newer accounts began to report. Nothing you can do about it either.
+1. EQ seems quite aggressive in purging closed accounts. For me it happened it late last month where a dozen closed account (all positive) were deleted in one fellswoop. They ranged from 3 years to 9 years since date of close. They are still on TU and EX. It reduced my AAoA from 11 years to 8.
My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
@mxp114 wrote:A lot of people here always say 10 but in reality is it up to 10 years and can be removed at anytime. I lost many great closed TL's off my report, within 2-3 years of closure. My EQ has none of my old closed accounts, all were removed as my file grew and newer accounts began to report. Nothing you can do about it either.
+1
Haha I wish equifax would delete 4 old auto loans all only 3-4 months long would help my aaoa.
Well that depends on how old they are and how long the rest of your credit history is..
The length that the account was open doesn't matter, only how long it's been on your report for. Example, if you opened up a TL 3 years ago, then closed it after 1 month, it's still going to be calculated in your AAoA as 3 years. The thing is, once that TL hits 7-10 years from the date you closed it, it then falls off your report and is no longer included in your AAoA...this is the part that can end up helping/hurting depending on whether or not they were good TLs. It's also why I'm considering paying off most of my SL accounts, but leaving them open and making payments so my credit profile carries a little more age down the road when it comes to mortgage time.
