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When a new account is open without a hard inquiry using the shopping cart trick, how does it affect your credit scores different?
Do you still lose points with the aaoa being lowered?
You don't lose points for the HP but, yes, you could lose points for AAoA. You could gain points when the TL reports.
So who wins? Aaoa or new TL reporting?
+\- ?
You never know. YMMV because your entire credit profile is taken into account.
AAoA loss would probably be very small.
Thx guinness