Well, I am just terrible at guesstimating bumps, so I will let others give it a try, but I'll point out something that probably didn't occur to you. I added on as AU on my husband's Discover card and went from 3 / 12 years history (average/ overall) to 4 / 18 years, and wound up getting re-bucketed. I lost 15 points on EQ (651 to 636.) My scores recovered pretty quickly and have since moved on, but any derogs hurt a LOT when you're in a long history bucket, because this is atypical behavior for those with history going way back.
Not saying don't do it; just be aware that there's a lot more to it that picking up some years.
edit: BTW, the re-bucketing happened a couple of weeks later, after I had gotten nice and comfortable with my new status. Ouch. (I wouldn't have figured it out if it hadn't been for the Scorewatch alert.)
Message Edited by haulingthescoreup on
01-28-2008 04:55 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007