@Anonymous wrote:
@myjourney wrote:
@Anonymous wrote:
@myjourney wrote:
@Anonymous wrote:Ok, I was hoping you guys would say it is possible.
And the 13 statement cut is fine I believe I have had to for roughly 2 years by now.
Also, with the donor card being 2 years old and my Simplycash being 2 months old, would I lose the 24 month card on my AAoA or
would this backdatemy Simplycash?Sorry if this is a silly question.
Does not exists any longer
This is the only thing stopping me from closing it. It is one of my oldest cards and I don't want my scores getting cut when I am looking to buy my first house next year :/
Unless you don't think you'll find a house in 10 years Lol
I wouldn't worry about it because closing it won't hurt your current AAoA or score
It will still report for up to 10 years and at that point the house will be reporting for 9-10 years
So if that's what you want ....do it and be done
Hahaha! I think I was a little confused about how AAoA works then, I thought closing your oldest card would hurt your score because it would lower your AAoA?
I guess I was wrong, but I am glad I am.
Why not just reallocate much of the line (that's a serious protip which I um, may take advantage of in the future, thank you pooka!) and keep the $0 AF card anyway SD'd?
Had a recent FICO 9 reason code report with someone with just 5 open tradelines getting a notice about "too few accounts" so there may be a departure from current models coming in the future as it gains traction in terms of score optimization... even if this strikes me as somewhat absurd.
