Down 26 points

[Imhotrodcrazy]

Chase reported,  and I took the hardest hit to my TU report.  Down 26 points,  from 828 to 802.  But I am still hanging tight in the 800 club.  I only lost 8 points total on EX,  I am at 797.  Only lost 6 points total on EQ.  So,  all in all,  not to bad.  It's my first new account in three years.  I don't apply very often.  Just thought I would share.

[Revelate]

Did your AAOA change with the new account?

[Imhotrodcrazy]

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@Revelate wrote:

Did your AAOA change with the new account?

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Yes,  I lost a year on each report.   I went from 7 to 6 yrs on each report.  I don't have many accounts,  4 cc's and a mortgage and 3 closed accounts.  I'm not big on having a lot of accounts. 

[Revelate]

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@Imhotrodcrazy wrote:

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@Revelate wrote:

Did your AAOA change with the new account?

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Yes,  I lost a year on each report.   I went from 7 to 6 yrs on each report.  I don't have many accounts,  4 cc's and a mortgage and 3 closed accounts.  I'm not big on having a lot of accounts. 

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Oooh, thanks for the datapoint!  Interesting to see a measurable change perhaps completely attributable to the AAOA change at the 7 <-> 6 year transition mark.

+1 on the not having lots of accounts (I know I have too many, though I'll probably farm the tradelines until my derogs fall off years from now), and you're hitting the largest portion of the scorecards anyway with the accounts you have.  

[Imhotrodcrazy]

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@Revelate wrote:

Oooh, thanks for the datapoint!  Interesting to see a measurable change perhaps completely attributable to the AAOA change at the 7 <-> 6 year transition mark.

+1 on the not having lots of accounts (I know I have too many, though I'll probably farm the tradelines until my derogs fall off years from now), and you're hitting the largest portion of the scorecards anyway with the accounts you have.  

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I am to old to have too many accounts.  At 72,  4 cc's and a mortgage is all  that my mind can handle.