QS1 to OS

[credit_endurance]

Hi all,

Question If I pc my QS1 to a QS nf will my aaoa drop due to that card now reporting as closed?

[Anonymous]

For FICO it will have no affect.  For Vantage it will reduce your AAoA.  Vantage only considers open accounts. 

[credit_endurance]

That's good to know then. As I have found myself relying a lot on CK results as they seem to update weekly instead of once a month with Fico.

[Anonymous]

I've pc'd two Cap One cards so far. No effect on my AAoA.

[Anonymous]

I am sorry, I ready your original post incorrectly.  I was thinking you were combining your QS1 into your QS.  If you are Product changing your QS1 to a QS like you clearly stated, there will be no change, as you are not closing an account.  

[RonM21]

Good to know. I'll be doing this PC soon and was unsure about the effect on AAoA.

[Anonymous]

bruisedcredit thanks for asking this question, I was wondering the same thing. I was considering combining my QS1 to my Capital One Platinum to make it one large card. I am due a credit steps increase this month.

Scores: Equifax 692 Transunion 707 Experian 644

Total Credit available $10,500 (rebuilt from low score of 590s in Jan, 2014) Goal 700 across all reports.

Capital One QS $750  Citi DC $3000  Amex BCED $1000 WM $500 Victoria Secrets Pink $300   SchoolsFirst Gold $1500                 

Overstock $500