Credit Card Center Advertiser Disclosure

Reply
Valued Member
Posts: 41
Registered: ‎07-16-2017
0 Kudos

When app for a card? Tax lien finally fell off.

Just had a tax lien fall off which brought my EX score up 83 points to 719. My question is I have a couple of old closed accounts that are going to fall off in a couple months. Should I app now for a card or not? Will the older cards affect my AAoA that much?
Moderator
Posts: 15,033
Registered: ‎10-07-2014

Re: When app for a card? Tax lien finally fell off.

[ Edited ]

JJ750 wrote:
Just had a tax lien fall off which brought my EX score up 83 points to 719. My question is I have a couple of old closed accounts that are going to fall off in a couple months. Should I app now for a card or not? Will the older cards affect my AAoA that much?

Apply now if you plan to apply for a card that pulls EX and/or your other scores are similar. Impossible to know what effect a couple cards falling off will have on your AAoA without knowing your AAoA and number of accounts that you have.

New Contributor
Posts: 54
Registered: ‎05-09-2017
0 Kudos

Re: When app for a card? Tax lien finally fell off.

🤔
T28 | Citi (TY Premier, AA Platinum Select, Double Cash, Diamond, Home Depot, Bestbuy, Macys Rewards, Macys AmEx, Costco) Chase (Ritz Carlton, Amazon) Comenity (A&F, JCrew) WebBank (Fingerhut) Capital One (QS One, Venture) Discover (It Chrome) PenFed (Power Cash) American Express (Green, Blue, Blue Cash, Gold Delta, PRG, Platinum Delta, Green Business) Bank of America (Cash Rewards, Travel Rewards) Synchrony (Walmart MC [AU])

Scores (8/17) TU 799 EQ 797 EX 799 ♦ Goal Scores 800+
Established Contributor
Posts: 682
Registered: ‎11-07-2016
0 Kudos

Re: When app for a card? Tax lien finally fell off.

Just average the opening dates of your open cards, and then average in the closed cards. Unless your closed cards were in bad standing, I'd go with whichever side for which the date is older.


TU FICO 8: 751 (8/17) — Ex FICO 8: 726 (9/17)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.