Valued Member
Posts: 54
Registered: ‎10-10-2012

AAOA vs. Credit Score

I have 4 credit cards through Comenity Bank (Vic Secret, Jcrew, etc.). They were the only ones who would grant me credit back in September.


Bought a few small things and paid them off. My score is currently 740.


I have 1 very old open account with a $500 limit (8 years old jewelry acct still open). I have one secured visa for $300 (sep 2012 opened). I am an authorized user on a Chase card for $5000 for 6 months.


My question is, at what point can I start apping and seeing some approvals? I'm afraid to apply and scared of seeing the old, "Your accts are too new. Limited credit history. Blah blah"


Do you think at 6 months or a year?



Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012

Re: AAOA vs. Credit Score

Depends on what you are aiming for credit scorewise. If higher end cards you want at least a year. Some like Walmart, Barclays, etc could be obtained at 6 months.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Frequent Contributor
Posts: 377
Registered: ‎09-16-2012

Re: AAOA vs. Credit Score

With the scores in my sig, OA at 5 yrs, and AAoA of about 1 yr. 2 mos, I obtained about 8 new accounts worth about $40K in the past month or so....

(3) accounts are not reporting yet, and when they do, I'll have an AAoA of about 2 mos. lol.  Needless to say, gardening is my latest and greatest profession.

Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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