Fico10 BC AoYA <12m is not the threshold for New Credit

Beefy wrote: ↑Sun May 12, 2024 6:10 pm My 3b just updated, and was surprised to find a new account penalty reason statement. I haven’t had a new account in 14 months and no HP in 13. My reports are not clean enough to confirm if other fico 10 scores include new account penalties for accounts greater than 12 months anyone else have a clean enough profile to confirm the other f10 models? What is hurting my scores ... three new accounts (two credit cards and one auto loan). Also, reduced the Discover credit line (was going to close the account but they convinced me to hold on to nearer Cap1 take over). The auto loan was a big $10978, wow and the reduced CL on Discover caused Chase to pull all my personal card "preapproval's" which blew my mind. Now truth, if I was to seek a new Chase Card I would cold app as I usually qualify for the lowest Apr and their preapprovals show me at the highest Apr with No credit line shown so why? While I enjoy Chase Ultimate rewards ... I have better cards for my actual spend needs. Chase for me has always lacked the focus that best fits my spend pattern. They surely do have good travel cards, however. No doubt that huge installment loan (joking) is killing me along with two new credit inquiries. Oh, drop in Discover CL was $17K. Likely will kill it off as the benefits are not there for me. Also, there will be no Cap1 as I went through their hell back in 2008 ... not again!