yes, it's unsecured. 2 pts for the inquiry, 0 for account opening. My aaoa is low, but kinda solid. None of my new cards dropped my score, only the inquiries. AAoA went from 2.10 years to 2.7 years after adding 4 cards- I did not pass any aging thresholds that would cause a score drop. If I were to open a new card now tho, it would dop my aaoa to about 2.5 years and i'd likely lose a few points for going below 2.6 years. So I can't say whether opening a new account will hurt you or not -- but you will recover the lost points in 6mos to a year.
Yea TU and EQ are both always slow to update for me... always 2-3 days behind EX. Wait for all 3 bureaus to update before you app. Just because they pulled EX for me, doesn't mean they won't pull a different one for you. They have been known to know to pull EQ sometimes too...
*FICO calculates your account open dates as the first of the month in which they were opened. So -if you opened an account on January 5th, FICO sees that as January 1st and calculates your AAoA based on that date and its age would be 0 months.
So... you would need to:
(1) List all of your accounts (closed accounts, CC's, and loans) and their open dates.
(2) Determine how many months each has been open.
(3) Then add one new account with an open date of January 2019 - 0 months - (this is assuming you open a USAA account sometime this month).
(4) Get your average after including this new account.
If it falls below 5 years (60 months) -- then you may not want to open a new account yet because you'll lose several FICO points for falling below the 5 year mark. You may have to wait a couple of months.
You can calculate what an open date in the future will do to your AAoA -- just remember to age your other accounts by however many months based on your new account open date so your calculation will be accurate (if you try March 2019, you have to add 3 months to each of your other accounts). -- so if January 2019 drops you below 5 years, try Feb / March / April 2019 and so on to figure out when you can open a new account without dropping below 5 years.
The easiest way to do this is to maintain an excel sheet. I keep an excel sheet of all of my accounts -- it calculates my aa0a and I can add / remove accounts to see how the action will affect my aaoa. How are you with excel? I can send you a template later tonight if you need one. Just PM me your email address (promise I will not spam you 
).
cap one auto loan closed aug 27 2018
fedloan servicing loan closed oct 16 2017
navy federal closed aug 10 2009
Are those their open dates or closing dates (need open dates)?
And where is the First Premier account? Charge-offs are factored in as well...