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

Valued Member

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?
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Moderator

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


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.

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New Contributor

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+
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Established Contributor

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: 743 (10/17) — Ex FICO 8: 732 (11/17)
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