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Credit Karma has a new website and here’s a super simple guide to checking your 5/24
Like many, I use CreditKarma to keep an eye on my credit score, fraud, etc. But, I also use Creditkarma for a quick and free way to keep tabs on my 5/24 number ( Chase’s restrictive policy towards new accounts). I happened upon a new website for creditkarma and as a result the tutorial for finding new accounts has changed slightly. I thought I’d give a refresher so you can quickly and easily find your 5/24 number.
Log in and select “view more details” on either your Transunion or your Equifax score
You’ll see your credit factors pop up. You may be tempted to view Total Accounts; however, Credit Age is where you want to go.
You’ll see Open Accounts and on the far right ( all accounts ). First look for any open accounts under 2 years.
I had 4 open accounts under 2 years. But, remember, both open AND closed accounts affect your 5/24 status.
Click on “View All accounts” to see your closed accounts. You want to focus on closed accounts in the last 2 years – starting with the most recent.
The reason I start with the oldest card is because I never keep a card less than 1 year. So if I closed a card in May of 2016, the odds are that I opened that card before June of 2015 are almost 100%. It’s October now…or over 2 years since I would have opened the card. If you don’t hold cards for a year ( I’d change that habit ), but I’d do a thorough search of all your closed accounts in the past 2 years.
I closed a card Mar 7, 2017.
After expanding it, I can see that the card was opened 2/11/16 – this one puts me at 5/24. If I want to see what my total number is, just repeat the process until you hit the 24 month mark. Luckily this is the only closed account I have that would fall under 5/24.
As you’ll notice…most business cards you have open do not show up on this list. BONUS!
Additionally, Chase business cards don’t count against your 5/24 number either. Neither do Amex, or Citi.