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Whats your current AAoA at?

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travisr0
Contributor

Whats your current AAoA at?

Applied to a few cards In the last year and was thinking of applying for NASA but decided to hold off and lengthen AAoA a bit more. Currently sitting at 5 years AAoA

Experian 756 // Equifax 764 // Transunion 759 // AAoA 5.7 years

Message 1 of 33
32 REPLIES 32
Anonymous
Not applicable

Re: Whats your current AAoA at?

Seven years,

Message 2 of 33
Revelate
Moderator Emeritus

Re: Whats your current AAoA at?

Heh someday I'll have 5 years AAOA.  It really isn't a big factor past the call it 4 year mark anyway, significant diminishing returns.  Longer is better but long run if other than churning bonuses people should go to fairly steady state on their credit card profiles anyway in which case opening a card up sooner rather than later makes sense.  In my case I'd like 1 Chase, 1 Amex business, and the JCB Makurai... and maybe, maybe a low/mid-tier travel card (unless I make that Chase app one) and after that there just isn't a lot I can conceivably use in the current market anyway and if I weren't mortgage hunting I'd sort 2/3 right now and probably make the currently laughable app as a flier on the JCB card too.  My thoughts anyway.

 

2 years 7 months.




        
Message 3 of 33
chalupaman
Super Contributor

Re: Whats your current AAoA at?

7 months. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 4 of 33
Anonymous
Not applicable

Re: Whats your current AAoA at?

With AU - 3.48 years

Without AU - 3.92 years

Message 5 of 33
Anonymous
Not applicable

Re: Whats your current AAoA at?

2 Years even.  If it wasn't for amex MSD backdating then I would be probably closer to 1 year!

Message 6 of 33
Anonymous
Not applicable

Re: Whats your current AAoA at?

2.5 years.

I am going to be removing myself as AU on a few accounts to see if it inches up.
Message 7 of 33
dabossman
Contributor

Re: Whats your current AAoA at?

1 year and 11 months, about to take a hit when my BOA BBR reports, and potentially my US bank Credit Card if i get approved

Mouse over for Limits, Sorted Oldest to Newest
Message 8 of 33
onstar
Established Contributor

Re: Whats your current AAoA at?

Was over 9 years, but the recent app spree (6 new cards this year) brought it down to just over 8 years.

 

Having student loans has its perks, I guess. It's 2 different loans, but it reports as 19 separate accounts (between 14 and 22 years).

 

BK DC 4/9/2018
FICO 08 (4/9/2018): EQ 647 EX 609 TU 620
FICO 08 (10/16/2020): EQ 676 EX 659 TU 653
Message 9 of 33
darkfrosty
Established Contributor

Re: Whats your current AAoA at?

how do you find out? It used to tell you on your CR but now all i see is the oldest account which is 16 years .. my AAoA used to be at 9 years but who knows now 

CSR | Ink Business Preferred | Amex Platinum | NFCU Cash Rewards
Message 10 of 33
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