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@Anonymous wrote:
Removed from my credit report effect AAOA if it's a closed account?
Any OC account that is removed in its entirety will affect AAoA. If its a derog account its negative status overrides any AAoA considerations. Age of history is 15% of Fico score, payment history is 35%.
Yes. Exactly *how* it will affect it depends on the age of the account, in relation to your AAoA
AAOA is a small part of the algorithm.
Payment history is king, first and always. You may take a short-term penalty losing a tradeline AAOA wise, but if that had significant negatives on it like you're describing, if it gets nuked take the money and run.