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Length of Credit History is the length and age of each trade line on your credit report individually and in aggregate.  Approximately 15% of a FICO® Score is based on this information.

In general, a longer credit history will increase a FICO® Score, all else being equal. However, even people who have not been using credit long can get a good FICO® Score, depending on what their credit report says about their payment history and amounts owed. Regarding length of history, a FICO® Score takes into account:

  • How long credit accounts have been established. A FICO® Score can consider the age of the oldest account, the age of the newest account and the average age of all accounts.
  • How long specific credit accounts have been established.
  • How long it has been since you used certain accounts.

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