What's Your FICO Score?

[michael]

All accounts count towards AAoA (Average Age of Accounts). It does not care if it is open or closed. If it shows on your report it counts!

Does this mean that after several years of churning, the average age of accounts will rise, as many old accounts will show up?

[Yellow]

Does this mean that after several years of churning, the average age of accounts will rise, as many old accounts will show up?

Yes

[lfas25]

All accounts count towards AAoA (Average Age of Accounts). It does not care if it is open or closed. If it shows on your report it counts!

Does this mean that after several years of churning, the average age of accounts will rise, as many old accounts will show up?

Yes

Wow that's great to know!

[Saver2000]

Wow that's great to know!

Yes,  but closed accounts fall off after 10  years.

[CountValentine]

Yes,  but closed accounts fall off after 10  years.

Some might stay longer. The main point is after you have so many cards and they start to age you no longer need to concern yourself about AAoA.

[michael]

Some might stay longer. The main point is after you have so many cards and they start to age you no longer need to concern yourself about AAoA.

Excellent. Thanks for the information.

[WAM]

Um....I just went to TransUnion's site to see my score and signed up for their 7-day free trial and they are giving me a "VantageScore." What is that?

It can't be an official score because their scale goes up to 990. Is it even possible to get my score from Transuinion's site?

****Never mind, did a quick search and now I see it's a bogus score and I can only get my TU and EXP from MyFICO.

Sign up for a free Wal-Mart credit card, to get your TU FICO score for free.

[Dan]

Sign up for a free Wal-Mart credit card, to get your TU FICO score for free.

You going to take a pull just to get a silly score for free?

[ilherman]

You going to take a pull just to get a silly score for free?

+1, someone in the comments on your recent post about FICO scores on the main site, also came up with this idea that you can ask your bank to pull your FICO score.... you always answer the same answer so nicely, I am impressed with your geduld

[Nitantnel]

You going to take a pull just to get a silly score for free?

Heh, some people take pulls to get 10% off their order, netting them a ground $ 7.26

[intgesh]

EQ- 789

Best part:
You have an established credit history.
Your oldest account was opened
25 Years, 4 Months ago
and yet, I am only 23

The negative of recent acct opened was weird, 8 months ago which was an approved SP 1bm
The 2bm w/ AMEX (SPG and Plat, both approved)in May, and 3bm Chase business (IB, IP, and United, IB approved) in June didnt show up???

[BOOKY]

Bad news I'm at 625 cause I was an AU on a seriously delinquent account. Any way to fix?

I was at 570 a few months ago and now im at 701 I guess the only thing is patience...

[WAM]

You going to take a pull just to get a silly score for free?

Once you have it, you have it. It's always nice to know your TU credit score. Since when are you so worried about pulls?

[dealfinder85]

my credit score is currently in the upper 7s. in the very near future i plan to apply for a mortgage.  should i hold off before applying for more credit cards?

[WAM]

my credit score is currently in the upper 7s. in the very near future i plan to apply for a mortgage.  should i hold off before applying for more credit cards?

Have you applied for any cards in the past 2 years? If not, applying for one may raise your score. This is based on some research I've done over the past 2 days - a lot of reading over a few sites, so I can't quote a source. I know this may not be helpful to some, because I'm not actually giving an answer, but I am saying to look into that specific aspect.

If you have applied for cards in the past 2 years, you'd want to holf off until after the mortgage (may make a difference of a few points of a %.)

[dealfinder85]

i have.
so if i plan to apply for a mortgage in the next 2 years, ill hold off for now with applying for other cards

[DP7]

EQ- 789

Best part:
You have an established credit history.
Your oldest account was opened
25 Years, 4 Months ago
and yet, I am only 23

The negative of recent acct opened was weird, 8 months ago which was an approved SP 1bm
The 2bm w/ AMEX (SPG and Plat, both approved)in May, and 3bm Chase business (IB, IP, and United, IB approved) in June didnt show up???

Which care are you backdated under? Did you get this card recently?

[compddd]

Have you applied for any cards in the past 2 years? If not, applying for one may raise your score. This is based on some research I've done over the past 2 days - a lot of reading over a few sites, so I can't quote a source. I know this may not be helpful to some, because I'm not actually giving an answer, but I am saying to look into that specific aspect.

If you have applied for cards in the past 2 years, you'd want to holf off until after the mortgage (may make a difference of a few points of a %.)

Wait 2 years from applying for CCs to apply for a mortgage? I've never heard that before, only 6 months.

[Dave321]

Not sure Amex does that anymore.

anyone have any more info on this? I have someone with a great score that would add me as an AU. Does it backdate automatically?

[metziah]

Wait 2 years from applying for CCs to apply for a mortgage? I've never heard that before, only 6 months.

I have read what he said also so I just hope this 6 month thing is really true.