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So very stupidly, I opened too many accounts too soon. Specifically 2 store accounts, Wayfair and Zales. Both Comenity.
These accounts are 1-2 months old. I understand I'd take a hit points wise if I just closed them, but on the other hand my Average Age would go up. Do the benefits outweigh the risks if I closed these accounts???
Once I closed them, my average would jump up to 3 1/2 years or so. (My rebuild started 4/2019, and I'm in decent shape. I'm thinking by doing this, it would knock out "You do not have an established credit history" message.
3% Aggregate, AZEO as of today.
Fico 8
EX 670
EQ 655
TU 680
If you close them, your AAoA wont change.
Closed accounts are included into calculations and they dont disappear after closing.
The only thing that would have immediate effect is if closing somehow affected your utilization.
^^ this
Close them after 13 months if you really don't want them. Or SD them