I have have closed some old accounts that I have established over 15 years ago with perfect payment history. I just didn't want to be temped to spend on these accounts. Should I have kept these open? Will this hurt my credit score because my average age will be averaged down? How much does average age effect the score on closed positive accounts? Seems to me that the oldest account on my credit file will be 10 years vs the 25 that I would have had if I kept them open. Does it make that much of a difference between 10 years of positive history vs 25 of positive history?