Re: Average account age?
11-14-2012 11:49 PM
'Baddies' are anything negative, like your paid collections. Since they're already paid, gw'ing them is pretty much your only recourse. Do you have anything else? Unpaid collections, charge offs, lates?
it does look like you likely do have a very short aaoa. Actually, imo, it seems that its so short that i dont think it would hurt for it to get a little shorter by adding a couple more secured cards. It might help a little to wait until your car is 6 months old, but perhaps not any noticeable amount. When you do apply for the secured cards check out the cc board to see what your best deal would be and app for them both on the same day.
672 (7/2012) EQ. 681 (8/1/12) EQ
Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU
Goal: 760+ but 700-720 by jan 2013
No new apps tll jul 2013