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  1. I closed a positive W/F CC in 2004. Not having an understanding of credit during my college years, I didn't have another Tradeline PERIOD until late 2010 (I just used cash, such a dumb move). I have obviously since learned about the importance of credit, & spent the last few years building a stable of tradelines. My FICO is now solid, my Utility is ~2%... but my AAOA is being kept afloat solely by that closed W/F card from 2004. Since that account is going to drop off my credit report next year, my AAOA (already my weakest FICO area), is going to be CRUSHED. So I pondered...
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