@Anonymous wrote:Absolutely correct CassieCard and might I also add, not only is it a young/thin but also a new account card (AoYA <12mo) correct?
At the time of the hard pull it was a 'no revolving account ever' file, with only 1 account on file (an SSL), and all aging values at 1 year.
So AoOA, AAoA, and AoYA all at 1 year.
That gave me my highest FICO 8 scores ever: EQ 750, EX 748.
So don't get credit cards...really ruins your score.