In the Garden for 4 years 8mths now Approved for SP CC

[AzCreditGuy]

I have a Buss Marcus CC and wanted to see what I was preapproved for a personal card. Approved for $3.5k vs my $31k Buss cc. SP done and wont get dinged. But my AAOA and AOOA will, I am checking to see how Much Experian will drop, unaware if they know its a SP, says score drop of 10 pt so 751 now, if I accept the Marcus CC it will go down to 741. 

AAOA is 5 yrs 5 mths

AOOA is 9yrs 4 mths 

I am wondering how the above will change my Ficos as well?

What does the group think? Stay in the garden or take it? 

[SouthJamaica]

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@AzCreditGuy wrote:

I have a Buss Marcus CC and wanted to see what I was preapproved for a personal card. Approved for $3.5k vs my $31k Buss cc. SP done and wont get dinged. But my AAOA and AOOA will, I am checking to see how Much Experian will drop, unaware if they know its a SP, says score drop of 10 pt so 751 now, if I accept the Marcus CC it will go down to 741. 

AAOA is 5 yrs 5 mths

AOOA is 9yrs 4 mths 

I am wondering how the above will change my Ficos as well?

What does the group think? Stay in the garden or take it? 

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Since you're asking for our opinions, to me it doesn't seem like something worth leaving the garden for.

[Heatt99]

Stay in the Garden. I would only leave for major cards of 10k or more, or cards that can grow fast via SP.

[keekers]

If it were me I'd stay in the garden.

[coldfusion]

Keep in mind that these estimators are only that and they have earned the reputation of being unreilable predictors of real-world outcomes.  It could cost you 10 FICO 8 points, but it could also cost you 5 or 20.

Your scores would also take a hit when the new account reported because your AoYA will drop from 56 months to 1 month and AoYA is also a scoring factor.

IMO you should only accept the card if it's truly one you could effectively leverage.

[AzCreditGuy]

Thanks appericate the feedback and will continue to stay in the Garden!! I also believe I will cross a threshold for AAOA next month?

I am at 5yrs 5mths and the next threshold is:

AAoA a threshold?

• 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, my report here)
• 18 months / 1yr 6mo (Confirmed twice by me, really good on all mortgage scores, LINK )
• 24 months / 2yr 0mo (Unconfirmed)
• 30 months / 2yr 6mo (Unconfirmed)
• 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear, LINK )
• 54 months / 4yr 6mo (Unconfirmed)
• 60 months / 5yr 0mo
• 66 months / 5yr 6mo
• 72 months / 6yr 0mo
• 78 months / 6yr 6mo (Confirmed by BrutalBodyShots)
• 84 months / 7yr 0mo (Confirmed by K-in-Boston, LINK )
• 90 months / 7yr 6mo

[SouthJamaica]

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@AzCreditGuy wrote:

Thanks appericate the feedback and will continue to stay in the Garden!! I also believe I will cross a threshold for AAOA next month?

I am at 5yrs 5mths and the next threshold is:

AAoA a threshold?

• 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, my report here)
• 18 months / 1yr 6mo (Confirmed twice by me, really good on all mortgage scores, LINK )
• 24 months / 2yr 0mo (Unconfirmed)
• 30 months / 2yr 6mo (Unconfirmed)
• 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear, LINK )
• 54 months / 4yr 6mo (Unconfirmed)
• 60 months / 5yr 0mo
• 66 months / 5yr 6mo
• 72 months / 6yr 0mo
• 78 months / 6yr 6mo (Confirmed by BrutalBodyShots)
• 84 months / 7yr 0mo (Confirmed by K-in-Boston, LINK )
• 90 months / 7yr 6mo

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I don't think so.

[AzCreditGuy]

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@SouthJamaica wrote:

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@AzCreditGuy wrote:

Thanks appericate the feedback and will continue to stay in the Garden!! I also believe I will cross a threshold for AAOA next month?

I am at 5yrs 5mths and the next threshold is:

AAoA a threshold?

• 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, my report here)
• 18 months / 1yr 6mo (Confirmed twice by me, really good on all mortgage scores, LINK )
• 24 months / 2yr 0mo (Unconfirmed)
• 30 months / 2yr 6mo (Unconfirmed)
• 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear, LINK )
• 54 months / 4yr 6mo (Unconfirmed)
• 60 months / 5yr 0mo
• 66 months / 5yr 6mo
• 72 months / 6yr 0mo
• 78 months / 6yr 6mo (Confirmed by BrutalBodyShots)
• 84 months / 7yr 0mo (Confirmed by K-in-Boston, LINK )
• 90 months / 7yr 6mo

---

I don't think so.

Well I do think so. After looking at it more closely, thought it was because I racked up more debt, nope its from AAOA

2pts for Ex and 4pts for EQ

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[SouthJamaica]

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@AzCreditGuy wrote:

---

@SouthJamaica wrote:

---

@AzCreditGuy wrote:

Thanks appericate the feedback and will continue to stay in the Garden!! I also believe I will cross a threshold for AAOA next month?

I am at 5yrs 5mths and the next threshold is:

AAoA a threshold?

• 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, my report here)
• 18 months / 1yr 6mo (Confirmed twice by me, really good on all mortgage scores, LINK )
• 24 months / 2yr 0mo (Unconfirmed)
• 30 months / 2yr 6mo (Unconfirmed)
• 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear, LINK )
• 54 months / 4yr 6mo (Unconfirmed)
• 60 months / 5yr 0mo
• 66 months / 5yr 6mo
• 72 months / 6yr 0mo
• 78 months / 6yr 6mo (Confirmed by BrutalBodyShots)
• 84 months / 7yr 0mo (Confirmed by K-in-Boston, LINK )
• 90 months / 7yr 6mo

---

I don't think so.

Well I do think so. After looking at it more closely, thought it was because I racked up more debt, nope its from AAOA

2pts for Ex and 4pts for EQ

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1.  2 to 4 points is not a threshold by my definition of threshold.

2. It appears that TU did not increase at all.

3. I doubt that you can be sure that the 1 month increase in AAoA caused those small increases in EX and EQ.

But if you want to believe it's a threshold, more power to you.

[AzCreditGuy]

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@SouthJamaica wrote:

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@AzCreditGuy wrote:

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@SouthJamaica wrote:

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@AzCreditGuy wrote:

Thanks appericate the feedback and will continue to stay in the Garden!! I also believe I will cross a threshold for AAOA next month?

I am at 5yrs 5mths and the next threshold is:

AAoA a threshold?

• 12 months / 1yr 0mo (3 EX 9 scores up 8-10 points, +4 on TU 8, my report here)
• 18 months / 1yr 6mo (Confirmed twice by me, really good on all mortgage scores, LINK )
• 24 months / 2yr 0mo (Unconfirmed)
• 30 months / 2yr 6mo (Unconfirmed)
• 48 months / 4yr 0mo ( EX 8 +27 points, ChemE_Bear, LINK )
• 54 months / 4yr 6mo (Unconfirmed)
• 60 months / 5yr 0mo
• 66 months / 5yr 6mo
• 72 months / 6yr 0mo
• 78 months / 6yr 6mo (Confirmed by BrutalBodyShots)
• 84 months / 7yr 0mo (Confirmed by K-in-Boston, LINK )
• 90 months / 7yr 6mo

---

I don't think so.

Well I do think so. After looking at it more closely, thought it was because I racked up more debt, nope its from AAOA

2pts for Ex and 4pts for EQ

---

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1.  2 to 4 points is not a threshold by my definition of threshold.

2. I doubt that you can be sure that the 1 month increase in AAoA caused those small increases.

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I can, the only thing that changed was adding $1k in debt. You want to say that caused my small increases? OK