Also would ask when you opened those accounts, and what your current reported balances vs current limits are.
I don't know what the minimum history length is to hit 800; I might not even when I get clean in another 2 and change years when my last derogatory falls off based on what I can find out about mortgage reporting on FICO 8.
Unlikely. Your 730 from the sounds of it was based on your AU's only, while it's helpful to know when those were opened too and what they're reporting balance vs. limit (since they all count assuming not falling afoul of the anti-abuse policy) it doesn't even sound like all of your cards have reported yet and you will likely see a drop in AAOA when they do.
If I were betting I'd say 760-700 by August 2016, though admittedly anything north of 760 is just style points (and FICO buffer if you take a penalty for something like utilization).
@Anonymous wrote:
@Revelate wrote:Unlikely. Your 730 from the sounds of it was based on your AU's only, while it's helpful to know when those were opened too and what they're reporting balance vs. limit (since they all count assuming not falling afoul of the anti-abuse policy) it doesn't even sound like all of your cards have reported yet and you will likely see a drop in AAOA when they do.
If I were betting I'd say 760-700 by August 2016.
But I'd be paying on time for an entire year?...
Nonetheless, would that score be good enough for Citi DB/Freedom/SMMC?
Scorewise you could get those right now. Shouldn't be a problem in a year with your own tradelines in the mix from a UW perspective assuming the economy doesn't tank and the lenders dno't vastly shift their underwriting.
Payment history basically means: have tradelines, use them, don't screw up; you'll probably get more of a boost from having those inquiries drop out of scoring range to be honest. The 35% of one's FICO really applies if you have a negative, and you aren't starting from ground zero as you have AU's on your report which skew it.
There's nothing in the market which underwrites higher than 760, and honestly all those cards UW at 660-680 to my knowledge for a minimum FICO.
Okay, thanks for the help. I just wanted to get those cards after a year 
Thanks for the reassurance that I could get them !
You should add an installment loan and with a payment history of 1 year in Aug of 2016 will give you a lot better chance to get to 800. Even if you take out a small installment put the money in a savings account to use to pay the installment payments. That is the best thing you could do to get to your goal. Another good idea would be to buy a small valued rental property that would not only give you an installment but a mortgage installment loan. Even if you had to have a co-signer but if the income is there with your scores you should be able to qualify for a small rental income property. That will be a shot in the arm to get to the CC goal you want and as you travel make sure you apply for premium cards and not rebuilt cards. The premiums cards will pay off in the long run for your FICO I have read. The Chase Freedom I think you said you want would be one of those along with BOA rewards card and the Capital one Venture or Quicksilver VISA, and AMEX Blue or the Discover IT card. Google top 5 premiums cards and you will see. Ignore the ones for Rich indiduals that cost a forture to have offer so many features you will not use at 18. You are on the road to a great credit history by being here in the first place.
Starting FICO Score 2007: >> >> 533 -- God those were some Dark Days !!