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AaoA

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Anonymous
Not applicable

AaoA

Any guess at to the AaoA hit when your total credit card history is 5 years and AaoA is 1 year and 9 months - then applying for and getting apporved for 9 new cards in the last 14 days? Thanks. Would just like to know.

Message 1 of 13
12 REPLIES 12
JagerBombs89
Established Contributor

Re: AaoA


@Anonymous wrote:

Any guess at to the AaoA hit when your total credit card history is 5 years and AaoA is 1 year and 9 months - then applying for and getting apporved for 9 new cards in the last 14 days? Thanks. Would just like to know.


Your credit history will stay at 5 years and your AAoA will probably dip below 1 year.  But if I am not mistaken 1 year is the minimum AAoA possible... Otherwise, use the AAoA spreadsheet located here for an exact answer:  http://aaoacalculator.tumblr.com/

Message 2 of 13
Anonymous
Not applicable

Re: AaoA


@Anonymous wrote:

Any guess at to the AaoA hit when your total credit card history is 5 years and AaoA is 1 year and 9 months - then applying for and getting apporved for 9 new cards in the last 14 days? Thanks. Would just like to know.


See you in the garden?  Smiley Wink

Message 3 of 13
Anonymous
Not applicable

Re: AaoA

Permanent garden, trust me. Except for the Barclay Hawaiian I will apply for in 2 years, that completes the cards I wanted. I'm done.

Message 4 of 13
Anonymous
Not applicable

Re: AaoA


@JagerBombs89 wrote:

@Anonymous wrote:

Any guess at to the AaoA hit when your total credit card history is 5 years and AaoA is 1 year and 9 months - then applying for and getting apporved for 9 new cards in the last 14 days? Thanks. Would just like to know.


Your credit history will stay at 5 years and your AAoA will probably dip below 1 year.  But if I am not mistaken 1 year is the minimum AAoA possible... Otherwise, use the AAoA spreadsheet located here for an exact answer:  http://aaoacalculator.tumblr.com/


 

I couldn't quite figure out that calculator but will keep trying. Couldn't get it to work. Thanks JagerBombs

Message 5 of 13
CreditMagic7
Mega Contributor

Re: AaoA

Whoever it was that said credit is a journey not a race, sure wasn't kidding especially when it comes to AAOA.

Message 6 of 13
NRB525
Super Contributor

Re: AaoA


@CreditMagic7 wrote:

Whoever it was that said credit is a journey not a race, sure wasn't kidding especially when it comes to AAOA.


Credit may be a journey, but AAoA can backpeddal in a big way.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 7 of 13
cmony787
Regular Contributor

Re: AaoA

Looks like link has changed for calculator. will try good friend google

 


@JagerBombs89 wrote:

@Anonymous wrote:

Any guess at to the AaoA hit when your total credit card history is 5 years and AaoA is 1 year and 9 months - then applying for and getting apporved for 9 new cards in the last 14 days? Thanks. Would just like to know.


Your credit history will stay at 5 years and your AAoA will probably dip below 1 year.  But if I am not mistaken 1 year is the minimum AAoA possible... Otherwise, use the AAoA spreadsheet located here for an exact answer:  http://aaoacalculator.tumblr.com/


 

Message 8 of 13
elim
Senior Contributor

Re: AaoA

there is a better aaoa sheet here...

 

https://docs.google.com/spreadsheets/d/1zG3BGlfgYkfEXeVLIklvS1SpwKrax99s1g1af9Mao_8/edit#gid=8210833...

 

just make a copy and add your stuff

Message 9 of 13
elim
Senior Contributor

Re: AaoA

mine turned out pretty good... has a bunch of charts and stuff also

 

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Message 10 of 13
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