Why all the hard pulls?!?

[youngandcreditwrthy]

Huh😕?

Lol Youve prob apped more than I have... And what about your drapping habit?
For some reason, I envisioned you as someone with wayyyyy less than 10 years' aaoa.
And if you have such a high aaoa due to your beloved mommy and daddy adding you as an au onto their accounts, then you really have nothing to say, heh.

😄

[Duncanrr]

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@youngandcreditwrthy wrote:
Huh😕?

Lol Youve prob apped more than I have... And what about your drapping habit?
For some reason, I envisioned you as someone with wayyyyy less than 10 years' aaoa.
And if you have such a high aaoa due to your beloved mommy and daddy adding you as an au onto their accounts, then you really have nothing to say, heh.

😄

---

The "drapping" event was 1 night, 1 time only.  We joke about it but it was a single occurrence.  My AAoA is due solely to my own credit profile.  I am not an AU on anyone's account and if my "mommy and daddy" did anything for my credit it was to wreck it by instilling poor financial habits.  I've worked hard and come a long way from my mistakes in my youth and I'm trying to help you not make similar ones.

You can take my honest advice for what you want.  I would be extremely careful if I were in your position knowing what I know now!

[Duncanrr]

From my latest MyFico report.

[youngandcreditwrthy]

Ah... Okay.
Just making sure you aren't one of those types. Haha...
Yeah, my parents are not skilled financially speaking. Heh. Which is why Ive made it such a point to build my credit. I'm very precise in my credit management.
My aaoa is 2.5 years, but half of my accounts were opened when I was 18 or 19.
For example,
C1 is almost 6 years old, Dillard's is almost 6, ANF almost 6.....
Express almost 6. JCP&Lowe's are nearly 4 years old each.
The majority of my prime cards have been gained in the past year or two, so I need to work on that.

[CreditScholar]

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@09Lexie wrote:
Like I said...gotta be a little longer in the tooth. I can't remember the number but I'm pretty sure your AAOA needs to be between 6-12 yrs and you need acct history a lot longer than - that probably 20yrs.

I'm sure someone can give the specifics but based on your moniker, I'm not sure you are old enough now to have reached the oldest account threshold.

Having CL in excess of $100k will not help unless you need it for util. 😮

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+1. Getting higher limits won't help your scores after awhile, and besides fewer inqs what you really need is time.

As it stands you're 5+ years from 800 at an absolute minimum, and that's assuming you stop applying, let your accounts age (and therefore your AAoA will grow).

A change in attitude and perspective will likely be needed as well before you have any hope of attaining 800. Sorry to be harsh, but people with such an immature attitude towards credit don't make it to 800.

There's always a temptation to apply and fiddle with your portfolio, leading to new accounts added regularly. The difference between a 760 FICO and 800 is stability. Churners and others who app regularly may achieve 760, but not 800.

[Duncanrr]

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@youngandcreditwrthy wrote:
Ah... Okay.
Just making sure you aren't one of those types. Haha...
Yeah, my parents are not skilled financially speaking. Heh. Which is why Ive made it such a point to build my credit. I'm very precise in my credit management.
My aaoa is 2.5 years, but half of my accounts were opened when I was 18 or 19.
For example,
C1 is almost 6 years old, Dillard's is almost 6, ANF almost 6.....
Express almost 6. JCP&Lowe's are nearly 4 years old each.
The majority of my prime cards have been gained in the past year or two, so I need to work on that.

---

Im not one of those types.  I mess around, joke around and can carry on with people 1/2 my age.  The difference is that I know what's in good fun and when to act seriously.  (Young in heart but try to be wise in mind.)  I endeavor to give people here my honest opinion and to help them achieve their goals.  My comments are directed with that in mind.

[FinStar]

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@CreditScholar wrote:

---

@09Lexie wrote:
Like I said...gotta be a little longer in the tooth. I can't remember the number but I'm pretty sure your AAOA needs to be between 6-12 yrs and you need acct history a lot longer than - that probably 20yrs.

I'm sure someone can give the specifics but based on your moniker, I'm not sure you are old enough now to have reached the oldest account threshold.

Having CL in excess of $100k will not help unless you need it for util. 😮

---

+1. Getting higher limits won't help your scores after awhile, and besides fewer inqs what you really need is time.

As it stands you're 5+ years from 800 at an absolute minimum, and that's assuming you stop applying, let your accounts age (and therefore your AAoA will grow).

A change in attitude and perspective will likely be needed as well before you have any hope of attaining 800. Sorry to be harsh, but people with such an immature attitude towards credit don't make it to 800.

There's always a temptation to apply and fiddle with your portfolio, leading to new accounts added regularly. The difference between a 760 FICO and 800 is stability. Churners and others who app regularly may achieve 760, but not 800.

---

+1

I concur with CreditScholar - the above is perhaps some of the best advice on this forum.

[youngandcreditwrthy]

CreditScholar- I'm confused about how my attitude towards credit seems immature?
Most young adults my age don't even know their credit score, let alone track it weekly and strive to improve it.
Yeah, I'm impatient; it's a personality defect.
But I have never missed any type of payment and manage my finances to the best of my ability. No lack of maturity there. And that's saying a lot considering I've done 95% of everything for myself.
So...yeah. Lol

Duncan- it's good to know; there are a lot of haters out there these days! Like that tanyasf chick bahahhaha. I'm a big joker too. Your candid, honest comments are appreciated even if I don't want to see them always 😳 lol guess everything can't be picture perfect all the time haha

[Duncanrr]

Im not sure I would be on this forum if I was picture perfect

[CreditScholar]

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@youngandcreditwrthy wrote:
CreditScholar- I'm confused about how my attitude towards credit seems immature?
Most young adults my age don't even know their credit score, let alone track it weekly and strive to improve it.
Yeah, I'm impatient; it's a personality defect.
But I have never missed any type of payment and manage my finances to the best of my ability. No lack of maturity there. And that's saying a lot considering I've done 95% of everything for myself.
So...yeah. Lol

Duncan- it's good to know; there are a lot of haters out there these days! Like that tanyasf chick bahahhaha. I'm a big joker too. Your candid, honest comments are appreciated even if I don't want to see them always 😳 lol guess everything can't be picture perfect all the time haha

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Impatience is one thing, but it's not the only thing. Even the manner in which you type reflects your personality.

Most young adults are completely ignorant when it comes to credit, so comparing yourself to your peers isn't necessarily going to give you a good indication of what you need to do. This is doubly true if you grew up in a low-mid SES area where the vast majority have inadequate levels of financial literacy. Also to "the best of your ability" doesn't mean it's good enough to achieve the goal you said you want.

Take my advice or not, it's up to you. However it's 100% correct so if you want to get 800 as you said you did, you'd be wise to stop, distance yourself from your initial emotional reaction and consider very carefully what I've said. At the end of the day it's no real loss to me, but I am trying to help you.