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The AAoA dip will be temporary. You have to start somewhere. If you don't have an installment loan. You should grab a secured shared loan as well. In six months your scores will be higher than they are now. With 3 revolving accounts and one installment account reporting, even with a lower AAoA. Mine is only 2.4 years presently.
My thinking is whether you app now or later you're AAoA is going to go down the same. Might as well get them now and be better off in the long run.
I do currently have student loans and they show as 8 accounts; 2 of which is 3 yrs old, 3 of which is 5 yrs old, and the last three is 6 yrs old.
@Anonymous wrote:I do currently have student loans and they show as 8 accounts; 2 of which is 3 yrs old, 3 of which is 5 yrs old, and the last three is 6 yrs old.
Your scores appear to be lower... There must be something else holding down your score.
@Anonymous daughter, fresh out of school, had 4-5 student loans. Only one Cap1 @Anonymous. and AAoa 2.x years. Her score was somewhere 720-730 and she got 10,000 Amex last month.
Go ahead and apply for whatever cards you need. For car loans, they will look back last 6 mths, not years..