History - I moved to SE Asia in 2009, never thought I would be here this long. During this time all of credit aged off my reports.
Two years ago I began to re-establish. I currently have two Wells Fargo Credit Cards, a Platinum Card (2 years) and a Cash Wise, which I have had for 1 year. My Trans Union FICO is 763 and my Experian 748, and I am unsure about Equifax, but I’m assuming it’s in the same range. NerdWallet shows that 21% of my score is based on “Age of Accounts”.
My question for any Nerd Wallet expert - Does anyone know where the threshold/s is or are for getting a FICO bump on the age of accounts? Additionally, would adding a 3rd card, which would lower my average account age, have much of an impact on FICO, other than a 10-12 point short term hit over the next several months.