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Can you explain a bit further? Are you saying that you tried to get financing for this medical procedure, and that you were turned down by a particular lender, and they cited being concerned by how many new accounts you had opened in the last 12 months?
Can you tell us more about the four accounts? Were they all credit cards?
How many credit cards do you have now? Would it be easy for you to keep all your cards at zero except one (AZEO), with the remaining card showing a small positive balance? That's a simple way to optimize your score.
Do you have an open loan? If so, what was the loan originally for and how much do you owe now?
When would you ideally like to apply for the rhinoplasty financing?
((4x9) + (1x18))/ 5 = 10.8 month average age of accounts (AAoA). Anything under 24 months is dinging your scores as they are, but if you want to age it all out you'd have to wait 14 more months to get to the next threshold -- so that's longer than you want to get the surgery.
Based on your numbers, your newest account is 9 months, which is greater than the 6 month "new account penalty" but not quite 12 months when the new account penalty appears to go away entirely. So adding a new revolving account might ding you a tiny bit but not a ton. Unless this finance option is an installment loan?
What are your current FICO8 scores?
@Anonymous wrote:
Do you want to tell me they will not give me financing even if I do not open new accounts and I will have a score 800?
The FICO score is just a filter to see if a person is worth looking at more closely. I'd say you'd get approved because people with WAY lower scores do. Your oldest account is almost 2 years and that's pretty solid history to go on. But you also didn't mention how big of a credit limit you're looking for -- if it's $3000 that's one thing, $30,000 is another story.