thanks for your swift reply!
ahh okay dokie. guess I'll have to wait a year and see bahh
Pay attention to when AAoA crosses year marks as that gets you boosts.
1 year mark on inquiries really lessens their impact on score.
The new account hit is usually pretty much gone by 6 months and majority by 3 months.
It all depends on the size and contents of your CR's
I have seen 3 different reactions
1) scores decreased dramatically -21 and it took 4 months to recover (3 card app) June 2012
2) scores increased +9 (2 card app) December 2012
3) scores only suffered minor decrease and took 2 month to recover -8 points (4 card app) June 2013