In addition to account age, the account section also includes information on amounts owed and payment history for each account. 

Sometimes it will also inform the lender of which accounts are open and which are closed.The amount that you owe on each account is important to lenders because they want to know that you do not owe more money than you could reasonably pay back.

The lenders analyze your debt to credit ratio and are looking for a lower ratio.  Many of the top scorers had a debt to credit ratio of less than 10% (meaning that their balances only accounted for 10% or less of their revolving credit limits, like on credit cards).

 Here is an example of debt to credit ratios for from a credit report.

Finally, the other very important piece of information in the account portion of your credit report is the payment history.

Depending on which credit report you are looking at, they may report this in a slightly different format, but the basic information should be the same.

Your payment history lets lenders know if you were ever late for a payment and if so, how late you were.

It also lets lenders know which accounts you were late for – for example, if you make all of your credit card payments on time but are often late to pay the car loan, a lender for an auto loan might be suspicious.  However, a credit card company might take this into consideration and think that you are less of a risk.