Oldest account is a closed revolver.

[FreedomHammer]

Looking ahead on my credit building journey, I noticed that in 2026, I will lose a lot of history as some student loans age off. (And I don't have an equivalent revolving history of the same age.)

My current AAoOA is ~22 years. Once that is removed my next oldest account will be from 2015, and that is a closed installment student loan. 

Do I get a scoring benefit from that oldest account being 10 plus years, even if it's closed? It was a student loan. 

I only started re establishing revolving credit in 2020, so in 2026, my oldest revolver will be only six years. 

I am hoping that closed student loan from 2015 will be my segmentation factor for oldest account 10 years?

Does that sound correct?

[SouthJamaica]

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@FreedomHammer wrote:

Looking ahead on my credit building journey, I noticed that in 2026, I will lose a lot of history as some student loans age off. (And I don't have an equivalent revolving history of the same age.)

My current AAoOA is ~22 years. Once that is removed my next oldest account will be from 2015, and that is a closed installment student loan. 

Do I get a scoring benefit from that oldest account being 10 plus years, even if it's closed? It was a student loan. 

I only started re establishing revolving credit in 2020, so in 2026, my oldest revolver will be only six years. 

I am hoping that closed student loan from 2015 will be my segmentation factor for oldest account 10 years?

Does that sound correct?

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When were the student loans closed?

Do we know that 10 years AAoA is a "segmentation factor"?

[FreedomHammer]

I meant my age of oldest account AoOA; sorry about the typo.

Most student loans were closed in 2015 due to a refinance. The majority of my oldest student loan accounts fall off 12/2025. They completely fall off in 2030, and in 2030, my oldest account will be a revolver that's also 10 years old.