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Old Sep 29, 2013 | 6:06 pm
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MDtR-Chicago
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AAoA includes closed accounts, for as long as they stay on your report. Usually, that's 7-10 years.

Every new account lowers the AAoA. But each year adds one more year to every account on your report, including the closed ones. Just pick an application pace that leads to your target AAoA.

To understand FICO scoring, read the forums at myfico.com
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