@Anonymous wrote:Ive just recently started to make good progress on my credit. right now my equifax is at 724 last i checked transunion was 694.AAoa is at 6 years. i just got a nfcu for 10k about 5 months ago. and a amazon visa for 3.5k. i have 10 inq's in past 2 years on my equifax 5 of them are from rental car agencies about 1.9 years ago from when i only had 1 card and it was maxed out. so to u se a debit card they wanted a credit report. do i have too many inq's?
right now my utilization on about 18k is 10% i want to be able to a few things without driving my utilization through the roof.. Especially airfare for when i travel overseas quite often. I get reimbursed for it but a 5-8k plane ticket would drive my util up pretty high right now. I also just refinanced my car to get my rate down. Should i wait or should i try and get a new card?
What inq's do you have on TU? Or even EX, for that matter
For my own personal knowledge....
When you got the NFCU card, did you have the savings & checking only? Direct deposit? Do you recall your EX FICO?
@Anonymous wrote:Ive just recently started to make good progress on my credit. right now my equifax is at 724 last i checked transunion was 694.AAoa is at 6 years. i just got a nfcu for 10k about 5 months ago. and a amazon visa for 3.5k. i have 10 inq's in past 2 years on my equifax 5 of them are from rental car agencies about 1.9 years ago from when i only had 1 card and it was maxed out. so to u se a debit card they wanted a credit report. do i have too many inq's?
right now my utilization on about 18k is 10% i want to be able to a few things without driving my utilization through the roof.. Especially airfare for when i travel overseas quite often. I get reimbursed for it but a 5-8k plane ticket would drive my util up pretty high right now. I also just refinanced my car to get my rate down. Should i wait or should i try and get a new card?
One thing to do first is to calculate your exact AAoA (average age of accounts) on all three reports. Kind of a pain, but it's worth calculating.
Take all the accounts on each report, one report at a time, whether open or closed, of whatever type. Starting from the opening month and year until today (not until the closed date for closed cards; everything is figured to the current month and year.) Add up all the months, divide by the number of accounts, and then divide by 12 to go back into years.
If adding a new account would drop your AAoA down one year, hold off until a new account would keep you at 6 years.
Those of us who dropped our AAoA's by a year or more know the pain.
This is in addition to whatever other advice you get. 
Because I'm so lazy, this AppleScript does it for me.
property revolving : {{8, 2007}, {8, 2008}, {8, 2009}}
property mymonth : {{8, 2010}}
on GetMonths(mylist, k)
return (item 1 of item k of mylist) + ((item 2 of item k of mylist) * 12)
end GetMonths
set m to GetMonths(mymonth, 1)
set k to count of revolving
set j to 0
repeat with i from 1 to k
set j to j + m - GetMonths(revolving, i)
end repeat
set i to ((j / k) mod 12) div 1
set j to j / k div 12
"Your AAoA is " & j & " years " & i & " months"
@Anonymous-own-fico wrote:Because I'm so lazy, this AppleScript does it for me.
property revolving : {{8, 2007}, {8, 2008}, {8, 2009}}
property mymonth : {{8, 2010}}
on GetMonths(mylist, k)
return (item 1 of item k of mylist) + ((item 2 of item k of mylist) * 12)
end GetMonths
set m to GetMonths(mymonth, 1)
set k to count of revolving
set j to 0
repeat with i from 1 to k
set j to j + m - GetMonths(revolving, i)
end repeat
set i to ((j / k) mod 12) div 1
set j to j / k div 12
"Your AAoA is " & j & " years " & i & " months"
Wow...I can't understand that at all.....is it just me??? 
@BungalowMo wrote:
Wow...I can't understand that at all.....is it just me???
It's greek to me.
From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work