Credit Age Calculator
Calculate the average age of your credit accounts to understand how it affects your credit score. Determine the age of your oldest and newest accounts.
Step 1: Credit Accounts
Understanding Credit Age
Credit age is the average length of time your credit accounts have been open. A longer credit history generally improves your credit score, as it shows lenders you have experience managing credit over time.
Step 2: Calculation Options
How Credit Age Affects Your Score
Credit age accounts for approximately 15% of your FICO score. Lenders prefer to see a long, well-established credit history with a mix of account types that show responsible credit management over time.
Credit Age Analysis Results
Average Credit Age
Credit Score Impact by Age
| Average Credit Age | Credit Score Impact | Rating | Recommended Action |
|---|
Improving Your Credit Age
Keep old accounts open even if you don’t use them regularly. Avoid opening too many new accounts at once. Consider becoming an authorized user on an older, well-maintained account.
Account Age Breakdown
| Account Type | Opening Date | Account Age | Status |
|---|
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