There's one new account I opened up, but there's no HP listed on the credit reports i get my FICO from. (HP hit EX, apparently.)
What's the affect of a New Account my score, aside from lowering AAoA? Given that I have 17 accounts open, this account didn't really budget my AAoA much. Is "New Account Ding" reflective of anything except hit to AAoA?
With no other changes to my FICO report and zero impact to AAoA, I've lost as much as 20-25. And this was completely aside to mix of credit and impact to util, which should be taken into account too when figuring the impact.
Besides AAoA a new account will affect your utilisation % if you have any balances on other cards. For example if you have a second card with a $1000 credit limit that has a $500 balance and you get a new account with a credit limit of $1000 then your util% will go from 50% to 25% and you may see your scores pop up a bit.