Contributor
MazdaSpeed
Posts: 246
Registered: ‎04-09-2013
If AAoA and ult stay the same when opening new accounts

My AAoA was 22 months and after opening 6 new cards in the last 3 weeks it went down to 11 months, but by the time the new accounts report and I look at my score, it will be next month and my AAoA will be 12 months (aka my AAoA will be 1 year again like before I got these 6 new cards, because 22 months is rounded down to 1 year)

 

Utilization stayed at 0%

 

I realize new inquires will hurt my score (at the time Discover requested my TU score I had 0 inquires on it) I now have 4, so my score will be going down becuase of that, which is fine becuase I know in a year it will go back up

 

considering those 2 factors (AAoA and Ult) will stay the same and that I know my score will go down from the new HPs I am wondering where you guys think my TU Score may be next month when I check it, compared to 758 when discover pulled it, I know new accounts have an affect on your score, but I don't really understand how much (obviously because if I did I probably wouldn't have opened 6 new cards! haha)

BCE 17.1k (1/13 backdated to 1/11)_____CSP 5k (4/13)
Barclaycard Arrival 1k (4/13)______Capital1 Cash Rewards 2.5k (3/13)
Citi Dividend 1k (3/13)_________Discover IT 1k (3/13)
Chase Hyatt 500 (5/13)______Chase Freedom 5k (11/12)
TU 745 (2/26/14