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All Bureaus have my AAoA @ 11 months.
Macys 2 years 2 months
HD 1 year
genisis credit 11 months (will close when they close it, 0 balance...)
Amex 7 months
amex 7 months
penfed 7
discover 7
care credit 4 months
chase amazon 4
I seriously see no need to add to the 5 major credit cards i have now, in fact, I should have never gotten the prg because its not the best for me, but ill be keeping it around. I like all my cards and see no need for any new cards applications or car loans in the next year. What should i do (with time) to ensure my AAOA is bulletproof later on in life where i can have a aaoa that wont be affected later on in life? I’m looking forward to seeing all my inquiries i put on last year fall off my credit report in 19 and all the ones falling off this year.
Unfortunatly I do see myself getting some hard pulls for CLI’s with PenFed and Chase. I was going to get these in April, but I’m thinking latter in the summer.
thanks for any help!
Just let time do it's thing and you'll be fine. With 8-9 accounts present now, a decade from now that's a bunch of aged accounts that will easily absorb several new accounts, as well as a new account along the way every year or two if need be. Assuming there are no AFs associated with your accounts, I'd simply keep them open indefinately. I see no reason for you to add any more accounts now in order to better yourself AAoA wise in the future. If you only had 2-3 accounts currently I may suggest that, but with 8-9 you are going to be just fine.