https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AU-Question/m-p/5553687#M584673 <P>Yea ... what @thornback said !!!</P> Wed, 27 Mar 2019 19:22:34 GMT DapprD 2019-03-27T19:22:34Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AU-Question/m-p/5553650#M584666 <P>Would making yourself an AU on a card with pefect utilization/payment history give you a good idea of an impact that you may get on your score that actually opening that exact card later would have?</P> Wed, 27 Mar 2019 18:51:01 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AU-Question/m-p/5553650#M584666 Anonymous 2019-03-27T18:51:01Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AU-Question/m-p/5553657#M584668 No. Because a new account won't have the age, payment history, and credit limit an AU account would (assuming the AU is not excluded from scoring - as what may happen with some AU accounts).<BR /><BR />With a new account, you'll likely see a FICO ding for having a new account (reducing AAoA), you'll have to establish a payment history, and there's no telling whether it will improve current utilization because there's no way to know what the credit limit will be.<BR /><BR />The fact that the AU and new card would be the exact same card (as far as lender / type) has no bearing at all. Wed, 27 Mar 2019 19:00:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AU-Question/m-p/5553657#M584668 thornback 2019-03-27T19:00:37Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AU-Question/m-p/5553687#M584673 <P>Yea ... what @thornback said !!!</P> Wed, 27 Mar 2019 19:22:34 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AU-Question/m-p/5553687#M584673 DapprD 2019-03-27T19:22:34Z