Assuming no new accounts no inquiries and utilization in the sweet spot how much harm would a low AAofA hurt a score? While I can't see EX anymore my TU is currently 720. It was as high as 730 a year ago. EQ stands at 696 was as high as 709 a year ago. Shouldn't a clean report with an AAofA in the 4 year 9 month range be in the mid to upper 700's given what I stated in the first sentence?