Friend of mine had a 730 FAKO across the bureaus. 1 credit card, 5 years old, $5000 limit. Never late.

I advised her that she could probably use some more credit and just build it up slowly. She went on an app spree and got a Chase Freedom (4000), Citi Diamond (1200), Discover More (2000), Target Red Card (500).

She does not plan on buying a house or car soon. But maybe in 2 years or so. Will her scores recover by then and how big of a hit can she expect with her Credit Line going way up but her AAoA going way down?