AU question

[Anonymous]

Any score change you see should be due to AAoA and as @AllZero said, shouldn’t be very large because you’re not crossing an AoOA threshold.. Utilization will not be a concern in your case because you’re so low and PIF.

Look forward to your results.

[Anonymous]

Edit:  entered the wrong score. 

TU updated. Went from 729 to a 713. Not bad at all 

[AllZero]

Thank you for sharing the data point. Not too bad of a drop. You got a good base of cards in your arsenal.

[Anonymous]

no problem. Hopefully it helps someone down the road. 

wasnt too bad of a drop. I think I should be able to make it up with a little time. 

[AllZero]

Data points are very useful. I periodically go back and read all I can to learn more.

As mentioned by Birdman7, clean segmentation is good. You have the thick portion. You're working on the aged portion.

If you can reach the >12 month mark of no new account portion, you'll get +- 10-15 possibly 15-20 points.

[Anonymous]

i have been trying to read everything on here to understand more. So totally know what you mean. 

I appreciate all your help. I got the cards I have and since have not been applying. I'm trying to stay strong and garden for a full 2 years. Will just be working on getting cli's. Also ended up closing my Uber card. It had a $500 sl and honestly that was the card I regret getting. Both times I talked to a csr from there they were the rudest people ever. Got it during my app spree with the rest of my recent cards so don't really care. 

so right now I have 7 accounts. 

cap 1 qs 

cap 1 qs1

disco it

amex gold delta 

Lowe's 

Apple Card 

us bank cash + 

im good with these for a while. Only thing I really want to add in the future is a few more Amex cards. 

[Anonymous]

Yeah I think you’re in a good place cardwise you just need to let it age as @AllZero said.

Keep in mind that broad range of points that can be awarded is to a large degree dictated by whether it’s a thick or thin file. Age/non-aged may play a part as well, though I don’t think as significant in my opinion. A thin file would get more points than a thick file for AOYA awards/penalties.

HulkCreditSmash can you give us your before and after AAOA? For the record? Or maybe you have already and I just don’t remember..lol.

[Anonymous]

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@Anonymous wrote:
Yeah I think you’re in a good place cardwise you just need to let it age as @AllZero said.

Keep in mind that broad range of points that can be awarded is to a large degree dictated by whether it’s a thick or thin file. Age/non-aged may play a part as well, though I don’t think as significant in my opinion. A thin file would get more points than a thick file for AOYA awards/penalties.

HulkCreditSmash can you give us your before and after AAOA? For the record? Or maybe you have already and I just don’t remember..lol.

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This is my current without AU. 

oldest account 2 years 8 months. 

average 1 year 1 months. 

with AU it was 

average 1.6 years 

oldest. 5.4 

when I look at my summary on EX everything ranges from very good to exceptional. Except credit length history is rated fair and amount of new credit is poor.  with time I should have those rating better also. 

[Anonymous]

Not sure if this is correct or fully hasn't updated but this fell off of EQ. Score went from 716 to 711. I even updated my credit report and that's what it shows. Not sure if the score is delayed or that's really all it dropped. 

I will keep an eye on it and update if needed. Hopefully that's what the drop only is 

[Anonymous]

Sounds about right.