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Yes, additional cards will back date to 2003. But do the math and you'll see it won't make a huge difference to you AAoA. If they offer a card you'll benefit from certainly go for it. But don't do it just to try and increase your AAoA, it's just not worth the little improvement your getting. The HP hit will likely do more damage.
@boomhower wrote:Yes, additional cards will back date to 2003. But do the math and you'll see it won't make a huge difference to you AAoA. If they offer a card you'll benefit from certainly go for it. But don't do it just to try and increase your AAoA, it's just not worth the little improvement your getting. The HP hit will likely do more damage.
most Amex cards have decent benefits and sign up bonuses that are worthwhile imo. Although the AAOA won't have a huge impact from a single card, but it will help regardless. I just had a new card posted on my report today.
Although my AAOA was fairly low about 1.9 years with 19 accounts lol
@hayabusa wrote:
@boomhower wrote:Yes, additional cards will back date to 2003. But do the math and you'll see it won't make a huge difference to you AAoA. If they offer a card you'll benefit from certainly go for it. But don't do it just to try and increase your AAoA, it's just not worth the little improvement your getting. The HP hit will likely do more damage.
most Amex cards have decent benefits and sign up bonuses that are worthwhile imo. Although the AAOA won't have a huge impact from a single card, but it will help regardless. I just had a new card posted on my report today.
Although my AAOA was fairly low about 1.9 years with 19 accounts lol
Looks like above is from Credit Karma, if I remember correctly, the FAKOs at Karma only uses open TLs for AAoA where as FICO models include closed TLs also.
@pakman92 wrote:
@hayabusa wrote:
@boomhower wrote:Yes, additional cards will back date to 2003. But do the math and you'll see it won't make a huge difference to you AAoA. If they offer a card you'll benefit from certainly go for it. But don't do it just to try and increase your AAoA, it's just not worth the little improvement your getting. The HP hit will likely do more damage.
most Amex cards have decent benefits and sign up bonuses that are worthwhile imo. Although the AAOA won't have a huge impact from a single card, but it will help regardless. I just had a new card posted on my report today.
Although my AAOA was fairly low about 1.9 years with 19 accounts lol
Looks like above is from Credit Karma, if I remember correctly, the FAKOs at Karma only uses open TLs for AAoA where as FICO models include closed TLs also.
+1
if you have several aged accounts that have been closed, which is common with auto loans esp, your real fico score should be higher than what CK is telling you.
But then again, CK's scores are too undependable to tell. Other paid FAKO services are much more reliable and have a lesser error of margin, although nothing is still as reliable as pulling the FICO score itself.