[jessicarabbit206]

Here's the deal. My 2 oldest accounts are negative. Should I dispute one (or both of them?) Will leaving one of the oldies on there actually help me (by dramatically lengthening the age of credit)?

Here's how they are listed (per TU/TrueCredit)
My oldest account: (the only installment account on my report)

Car loan, late 120 days.
Opened: 04/21/2003,
Reported: 05/01/2006

Late Payments:
30 Days Late: 10

60 Days Late: 2

90 Days Late: 2

Next oldest:

Credit card: Listed as current, closed by original credit grantor.
Opened: 03/17/2005
Reported: 12/21/2009

Late Payments (last 7 years):

30 Days Late: 4

60 Days Late: 1

90 Days Late: 4

Next oldest, Credit card opened 4/5/08. I have 4 other TLs reporting, 3 open and 1 closed (transferred). My average account age is less than 2 years.

My scores are 642/628/672 (eq/ex/tu)

Erasing those old accounts will chop 5 years off of my "age of credit." Thoughts?

Thanks for your input! I have learned so much since finding this forum!! :D

Jessica