AAOA question

[Anonymous]

Are all accounts positive and derogatory calculated in this equation?
My concern is that I have a 9 month old medical collection being deleted from my report. I am hoping for a nice boost but will that negatively affect my aaoa? My earliest acct is a possitive from 2003, baddies and pos from 2007 -2011, and then new pos in 2012.

[RobertEG]

Creditor accounts, open or closed, are included, but collection "accounts" are not.  They are reporting of collection activities on an account, not trade lines with a creditor.

[Anonymous]

So since this is a collection being deleted it should not affect the average age?

[pizzadude]

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@Anonymous wrote:
So since this is a collection being deleted it should not affect the average age?

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That is correct.   PRs and collection accounts do not count in AAoA.

[Anonymous]

Sweet! Here's hoping for a nice increase into the 600 club across the board once its been deleted. My EX fako went up 50+ pts (after the collection was removed) Lets hope FICO follows the same big increase.

[RobertEG]

+1

Collections and public records aren't accounts with a consumer, they are the reporting of efforts taken to secure payment of debt owed by a consumer.

[ztnjpv]

nwilson:

Collections are ALWAYS BETTER not being on your file. No amount of negative change to your AAoA can ever outweigh the boost from a collection removal. Besides, it's only 9 months old. Unless your average age of accounts is less than 9 months, there will be an improvement to that factor. 

AAoA is something your think about when the really important factors like bad accounts and good amount of positive tradelines are addressed.