Hi AllZero and thanks for commenting!
To give you some more insight;
Right I hear ya that adding newer accounts will drive down my AAoA further impacting my score. Which is originally what prompted me to ask this question since I was considering adding all of those accounts.
My ultimate goal is to pick up a Cap1 Venture account and Citi AA rewards cards then purchase a house - spread across the next 12 to 24 mos.
Cleaner profile, higher FICO -> better approval odds, higher starting credit limit, better APR.
Roger that, makes sense. So when I went in to look for my age of account data I realized that one of my charge off acounts is actually still reporting monthly "failure to pay".
The account was charged off Mar 2018 - anyone know if they can still report to my credit like that? (it's an AmEx)
My other two accounts that went down at the same time stopped reporting Dec 2018. (these two were both Chase).
Again, appreciate all comments, tips and suggestions!