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cem13, your info provides good data for someone else that has BK, but doesn't necessarily help someone that has multiple accounts with late payments which are still negative accounts, but not to the severity of a BK.
I kinda scanned this tread to not sure it was mentioned. If you have an AU card, FICO would not count it toward your AAoA. Your calculations just might make it look like they are not counting your closed accounts. Not sure how the other scoring systems like Vantage work.
@Anonymous wrote:I kinda scanned this tread to not sure it was mentioned. If you have an AU card, FICO would not count it toward your AAoA. Your calculations just might make it look like they are not counting your closed accounts. Not sure how the other scoring systems like Vantage work.
I forgot to remove the AU accounts for the '08 scores. I have 2 accounts that I am AU. I removed them and it dropped only 2 months because my wife went on an app spree a few months before I did.