Average account age
Credit scores & reportsThe average length of time your credit accounts have been open.
Overview
Opening new accounts lowers the average age, while older accounts raise it.
A stable, long-standing account history often supports a better profile.
Why it matters
- It reflects experience with credit.
- It can influence score calculations.
- It helps lenders assess long-term reliability.
FAQs
Does opening a new card hurt my average age?
Yes, it can reduce your average account age because the new account is young.
Is average age the same as credit history length?
They are related but not the same. Average age looks at all accounts, not just the oldest.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.