AAoA and consolidation

[Anonymous]

When Cap1 finally decides one of my accounts is eligible, WHICH ALL 3 ARE! (Different story lol) I'm planning on putting my two oldest cards with them together. They are both Quicksilvers. I will combine no annual fee with annual fee. My question is these are my two oldest accounts after bankruptcy. Is this going to affect my average? Since it's no longer 2 cards that are two years old, it's only 1. Thank you! :-)

[amakol]

No, old closed tradelines stay on your report and factor into your history for 10 years after date of closure. It may affect your utilization.

Congrats on ditching the AF.

[Anonymous]

Thank you! You're right! Totally forgot about closed accts still being included. Thanks. :-)

[Anonymous]

It's "up to 10 years." As I found out this year, they can be removed early. Nevertheless, you shouldn't fret too much about it. That will happen 5-10 years down the line, and won't be a very big hit when it occurs. 

[amakol]

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@Anonymous wrote:

It's "up to 10 years." As I found out this year, they can be removed early. Nevertheless, you shouldn't fret too much about it. That will happen 5-10 years down the line, and won't be a very big hit when it occurs. 

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Interesting. Care to share what bank, what age or which bureaus? Would love to get more info.