Aaoa and closed accounts

[Anonymous]

Sorry if this is in the wrong section; please feel free to move.

My question is how is your AAOA affected by closed accounts? Such as a secured card that is now closed? When that card hits a year mark does it have a positive affect on your FICO just like how an open card ages to one year? Or is there no points gained since it is closed?

[Anonymous]

---

@Anonymous wrote:
Sorry if this is in the wrong section; please feel free to move.

My question is how is your AAOA affected by closed accounts? Such as a secured card that is now closed? When that card hits a year mark does it have a positive affect on your FICO just like how an open card ages to one year? Or is there no points gained since it is closed?

---

It will continue to contribute to your AAoA until it is removed by the CRA's ten years after it was closed.

Age of current credit (or oldest open account) is a different animal entirely.

[RonM21]

---

@Anonymous wrote:

---

@Anonymous wrote:
Sorry if this is in the wrong section; please feel free to move.

My question is how is your AAOA affected by closed accounts? Such as a secured card that is now closed? When that card hits a year mark does it have a positive affect on your FICO just like how an open card ages to one year? Or is there no points gained since it is closed?

---

It will continue to contribute to your AAoA until it is removed by the CRA's ten years after it was closed.

Age of current credit (or oldest open account) is a different animal entirely.

---

+1

As long as there isn't a balance on the card there shouldn't be a change in how it effects the AAoA.  IT will have the same effect now as it did when it was opened.  That is, until it falls off in 10 years.