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Frequent Contributor
Posts: 328
Registered: ‎05-18-2007

Re: Setting up for FICO scoring changes

I know.  I think I'm going to ask my Mom to add me as a joint account holder instead.  The age of these cards is really giving me a boost.
Frequent Contributor
Posts: 489
Registered: ‎05-23-2007

Re: Setting up for FICO scoring changes

After 6 months an account changes from new to established. Thats why when you open a new credit account you dont really see a huge boost in score until after the 6th month.
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007

Re: Setting up for FICO scoring changes

They look at average length of all accounts, time since first revoloving account opened, and average length of open accounts.  So it really depends what your overall mix is.
For me, with few open cards, losing one old one is bad.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Established Contributor
Posts: 560
Registered: ‎05-03-2007

Re: Setting up for FICO scoring changes

i almost asked my dad to au me a couple of months ago after i ran into one of those sites that try to sell au's.   i am glad i didn't b/c i dont think i could take the blow of jumping up 100 points or so and then dropping them six months later.

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