Interesting that Credit Karma, evidently, uses only open accounts in calculating its FAKO score. In its explanation of "Age of Credit History" in my Credit Report Card, it refers to my Oldest Open Account being 18 Yrs 7 Mos, and my Newest Open Account as 0 Yrs 2 Mo. It makes no mention of the age of closed accounts, as apparently, it does not factor that into its equation.