Closed an account...

[Anonymous]

... and my score dropped by like 15 points across every CB. I thought you retained your AAoA after you close an account. It was only a $500 SL. Any idea how long I before I recover? Unfortunately, there's no option to reopen the account because it's one of those Amex oasis deals.

[Anonymous]

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@Anonymous wrote:
... and my score dropped by like 15 points across every CB. I thought you retained your AAoA after you close an account. It was only a $500 SL. Any idea how long I before I recover? Unfortunately, there's no option to reopen the account because it's one of those Amex oasis deals.

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What does your util look like?

[Anonymous]

Zero. Completely zero across the board. I have $20 balances on all of my cards until one of them reports so I can have a small balance on just one card. But as of now, there are no balances reporting on anything.

[Anonymous]

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@Anonymous wrote:
Zero. Completely zero across the board. I have $20 balances on all of my cards until one of them reports so I can have a small balance on just one card. But as of now, there are no balances reporting on anything.

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That's probably why it dipped a bit. One sub 10% balance should pull it back up.

[RobertEG]

Was the score a FICO score?

[Anonymous]

Yeah, so that's the thing.  My balances have been at zero for a while.  About a month to be exact.  The only change was AMEX reported as closed and they dropped.  I'm sure it'll go up a little when my UTI increases, but the reason for this drop seems to be this account closure:

I did recently open up a bunch of cards (listed below).  Penfed, NFCU, BOA and Chase with HP's to go along with them.  Also a couple with the SCT with soft pulls, but I know it dropped my AAoA.  I took the hits on those as you can probably see from the scores in my signture compared to my scores now... but I was letting everything settle at a zero balance for a while before I put a small balance on the card to up my UTI.  Before I could do that though, this happened.

 Those are fico scores from here.