Positive effects of new accounts and my new credit cards

[Anonymous]

I just got approved for a 

$500 capitol one card

$1500 barclay's

$5000 visa through CU

All of these are within this month what kind of impact can I expect from such additions as my current score is 695 equifax before these cards?

my current cards are

care credit 1698 balance  --> 4000 limit

orchard 200 balance --> 900 limit

lowes 0 balance --> 1100 limit

walmart 0 balance --> 800 limit

barclays Authorized User 860balance -->1800 limit

jcpenny 0 balance -->1700 limit

15% util now instead of 26%

My goal is to get the capitol one venture credit card sometime .. but that requires excellent credit what ever that is

[llecs]

Only a guess....if your AAoA didn't change and you didn't get rebucketed, I predict less than a 10 point drop, with a positive gain within a year.

[Anonymous]

I'm sure it hurt my AAoA but the long term goal is more important to me because of the utilization of all the cards is going down and I wanted higher limits. I'm not sure how important AAoA is?

I don't think I got rebucketed since my derogs are still on there.

[llecs]

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@Anonymous wrote:

I'm not sure how important AAoA is?

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It depends on your credit. Based on the fact you have other CCs, the impact I'd guess would be a year at most (more you have, the less the risk of dropping by a year or more). Let's say you did drop by 6 months and that lowered it from 6 to 5, for example. Within 6 months, you'd be back where you were anyway.

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@Anonymous wrote:

I don't think I got rebucketed since my derogs are still on there.

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+1

[Anonymous]

Got it ... I used to have my fico which told me AAoA guess now I'll need to do this myself on a spreadsheet...

[Anonymous]

Congrats on the awesome CU card and CL!  Nice!

Without doing the math, it seems like it might be time to revisit being an AU on such a high utilization Barclay's card.  How is that card impacting your length of credit history?  It may (or may not) be time to evaluate its usefulness to you.

[Anonymous]

Barclays is my wife's card, I'm an authorized user but she called yesterday and closed it off so that her balance is not affecting me anymore.

Hopefully it'll go away