First off.....WOW! I'm amazed and thankful how helpful and generous you folks are with your explanations. I have learned a tremendous amount so far, and I'm greatly appreciative.
I have a lot to absorb, and a few things to look into...like getting a trial acct going at creditscore.com. Because right now, my only source of seeing my FICO is at my savings/checking/mortgage bank. I should probably see it from another source. Someone mentioned Amex providing it to me, but it looks like its a paid service and from googling, folks don't have a high opinion of that service.
To answer a few questions from forum members here, my AoYA would be that Amex Corporate card (late 2017). But as a few have mentioned here, that will not affect my FICO score. So the next youngest would be that Car lease #2 in Dec2016. I do not know my AAoA at this time, and I need to get cracking on collecting this specific info.
I may hold off temporarily from getting my own CC, because I want to move my HELOC to a different bank within the next month, for interest rate purposes. I better do that while I am still ~770 FICO, opposed to getting a CC and having that score drop. I may call Citibank to try to reinstate the CC that closed (whch I had since 1989 with a $22.5k limit...bad mistake), but I doubt they can/will. That would probably still count as a new acct anyway, and may want to move that HELOC first.
Today probably isn't the day for additional leg work, however, being Father's Day and all. I believe my family may want me doing something else!
You guys are great. Thank you.
