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I was just wondering how the aaoa will be calculated and how much ,if any of a gain I will see?
history...
opened about 6 new tradelines across my CRA.....includes the 3 amex at 16 yrs of backdating...i have 5 pulls on Exp...3 on EQ and 2 on TU.....
MY current AAOA is at. EX 5.8 ......TU 5.8......EQ....4.0....
I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.
@Repo-ed wrote:I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.
I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.
@armbenderc wrote:
@Repo-ed wrote:I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.
I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.
I'll be apping in Jan as well for the PRG and True Earnings CostCo.
@Repo-ed wrote:
@armbenderc wrote:
@Repo-ed wrote:I just added another Amex to my file that has 6 years of backdating, and I saw a decrease from the INQ, and nothing for AAoA bump.
I'm hoping that it will add to my aaoa, 3 years atm. Planning to app for Amex BCE in January to get Jan '12 backdating.
I'll be apping in Jan as well for the PRG and True Earnings CostCo.
Good luck, I'll need it as well.
The score bump from backdating depends on where AAoA is before and after. I bumped 1 point when first card posted, bumping AAoA from 7y 1 mos to 7y 10 mos. however, 2nd Amex sent AAoA over 8 years and I got 13 points.
I have no idea what i just read here. Im curious can you clarify all these abbriviations?
@freeurmind wrote:I have no idea what i just read here. Im curious can you clarify all these abbriviations?