I've been wondering something. Right now my oldest accounts are 13.5 years on 2 CRAs and 23 years on the other. I recently was added as an AU on one card and I have gotten another one that has not reported yet. My AAoA was 11.5 years, but the new card knocked it down to 10.5 years and I'm sure the other one will take it down further.
I know AAoA is not a big part of the FICO computations, but I was wondering if there is a sweet spot what you need to keep your AAoA above a certain threshold to maximize benefit. Obliviously longer is better, but is there a low side that would really start to hurt you?
The main reason I'm asking is that I'm just starting a rebuild and to rebuild I have to obtain credit. I'm just looking for some good guidelines to follow to keep the score going in the correct direction assuming I don't have any baddies show up which is not going to happen.
tia
