A seriously delinquent account that is past due now can have a very big impact on your score. (moneyhelpforchristians.com)
The age or length of your credit history — which makes up 15 % of your credit score — doesn't have as big an impact on your score as your payment history and amounts owed. (wisebread.com)
Paying your bills on time and not over-using the credit you have have a much bigger impact on your score than age of accounts. (money.stackexchange.com)