Hi all,
So a little back round: I had 5 SLs in default, double reporting from Citibank and Sallie Mae; 120+ lates, in each one. They've since been rehabbed, status changed to paid/closed, and the new servicer Nelnet set 5 separate TLs, backdated to 2008. The last 120+ marks from those original TLs are from Febuary 2012.
So in 2013, I started to rebuild by obtaining three Capital One cards:
March 2013
Septermber 2013
November 2013
So it's aged for about a year (the first one) and almost 6 months for the last two.
This month, I brought my utilization down to 0% (they haven't updated yet.)
I thought to help rebuild, I'd need to add more positive TLs to my account, so I applied and got approved for Care Credit ($2,000 limit), Sony Via ($500), Kohls ($300), Discover It ($200), and they were all opened this month.
Did I kill what points I would have earned by lowering my utilization and having those original three accounts age past 6 months?
I thought the more positive TLs I added, the better it would look in the future, but now I feel like I did the opposite by opening too many accounts at once, lowering my AAOA.
Any thoughts? Thank you in advance!! (I'm unfortunately at 600 right now, before my balances updated from 80% to 0%)
