No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
too bad its a short credit with alot of inquiries and new accounts.
Just wait till your inq drop off and accounts age, then the credit world will be yours.
@Anonymous wrote:too bad its a short credit with alot of inquiries and new accounts.
771Very Good
With regards to the short history, how many years are we talking about?
Nice score.
@800FICOGoal wrote:
@Anonymous wrote:too bad its a short credit with alot of inquiries and new accounts.
771Very Good
With regards to the short history, how many years are we talking about?
Nice score.
all of my active accounts are 4 months or less besides jared its 15 months
@Anonymous wrote:all of my active accounts are 4 months or less besides jared its 15 months
When looking at credit depth, all accounts on your CR are considered equally... whether they're active or closed. If you have an account on your CR that is closed, but older than your 15 month active account, that closed account is the source of your AoOA and determines your credit depth in terms of FICO scoring. It's also worth noting that closed accounts also average into AAoA the same way open accounts do.
i have 1 old closed account from 2010 cap 1 paid satifactory
@Anonymous wrote:i have 1 old closed account from 2010 cap 1 paid satifactory
Cool, so that puts your AoOA at ~9 years at the very least, which is of course far more credit history depth than 15 months. What was the date that the 2010 closed account was actually opened?
The "bad" news though is that once that account reaches 10 years from the closure date, it will likely fall off of your report. Let's say that happens exactly 1 year from now. At that time your AoOA would drop from ~10 years to 27 months, a significant reduction which could result in an adverse score shift. Outside of the AoOA drop you'll experience, you'll also see an AAoA drop due to a 10+ year account no longer being averaged into your average age of accounts.
@Anonymous wrote:
@Anonymous wrote:i have 1 old closed account from 2010 cap 1 paid satifactory
Cool, so that puts your AoOA at ~9 years at the very least, which is of course far more credit history depth than 15 months. What was the date that the 2010 closed account was actually opened?
The "bad" news though is that once that account reaches 10 years from the closure date, it will likely fall off of your report. Let's say that happens exactly 1 year from now. At that time your AoOA would drop from ~10 years to 27 months, a significant reduction which could result in an adverse score shift. Outside of the AoOA drop you'll experience, you'll also see an AAoA drop due to a 10+ year account no longer being averaged into your average age of accounts.it
it was opened back in june of 2009