@Anonymous wrote:Nope. 7. Still staring at me on my report. Lol
You are in the 800s using Fico scores with a BK on you yout CRs that will be there for 3 more years???
@HeavenOhio wrote:
@thornback wrote:
The only scoring model that doesn't include closed accounts in aaoa is Vantage - so its basically a non-issue.VantageScore actually does include closed accounts in its age calculations. People are led to believe otherwise because the fluff software used by services like Credit Karma display "average age of open accounts."
My fault. I forgot I did read that clarification some many months ago. My apologies for the incorrect info and TY for the correction.
@Anonymous wrote:I just cracked at 800 after a disputed "late payment" which was oddly attached to me credit report fell off. I have a credit utilization of 1%. I also only have one inquiry. Is it odd that I hit 800?
Very difficult.
I was under the impression that 740-750 was the absolute highest.
Congrats!
@Anonymous wrote:I have 20+ revolving lines of credit. I finally broke into the 800+ club after my bankruptcy from 2014. Will look to apply for a mortgage in the next year or so which is the next major use of credit. Anyway, back to all the open credit card accounts...About 15 of those credit cards are lower limit, high annual fee type cards from the days I was rebuilding my credit. My other cards with no fees and great perks like cashback rewards and high credit limits are with Wells Fargo, BOA, Paypal, Barclay. Would it be a bad idea to get rid of all those $500 credit limit type cards and replace all the available credit lost with a card suited for am 800+ score with a line of credit to match what I lost? I'm just sick of giving these companies money when I never use their cards.
Yes I think you should close subprime cards with annual fees. But I would do it gradually.
