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Frequent Contributor
Razeus
Posts: 349
Registered: ‎04-02-2012

Just so I undersrtand AAoA before I close out....

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‎08-29-2012 06:33 AM - edited ‎08-29-2012 06:40 AM

Cap One will be put to pasture in a couple of weeks.  I've had the card since 1998 and it's my second longest history on my credit profile.  When I close the account, does the 10 years start from the month I close it, or from when the account was first opened?  I just want to be sure that when the 10 years is up and it falls off my profile, my new cards also have a 10 year history to pick up the slack, keeping my AAoA relatively lengthly (currently a few months over 6 years).

My Scores:
FICO (Oct '11): EQ - 491 | TU - 523 | EX - 481 (all tri-merge)
FICO: EQ - 653 (Aug '12) | TU - 700 (Nov '12) | EX - 687 (Aug '12)

My Wallet:
Discover It $11,000 | Chase Freedom $5000 | AMEX BCE $3000 | Paypal Extras Platinum $3,000 | Wells Fargo $1,000 | AMEX Zync NPSL

I want:
AMEX BCP | Chase Sapphire Preferred | US Bank Cash+ | Citibank Dividend Preferred
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Regular Contributor
ramblin_wreck08
Posts: 156
Registered: ‎08-09-2012

Re: Just so I undersrtand AAoA before I close out....

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‎08-29-2012 06:38 AM

From when you close it. :smileyhappy:



What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$5.5k (Visa Sig + EMV)
$4,950

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Equifax Risk Score: 706 (7/22/12)
Experian Plus: 724 (8/13/12)
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Regular Contributor
HenryJumbo
Posts: 127
Registered: ‎07-21-2012

Re: Just so I undersrtand AAoA before I close out....

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‎08-29-2012 06:42 AM

For the love of god take the Capital1 card out back and put it out its misery.

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $5,000  $2,400
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