Credit age
Credit scores & reportsHow long you have been using credit, often measured by the age of your oldest account.
Overview
Lenders like to see a longer history of responsible credit use.
Closing old accounts can sometimes reduce your average age.
Why it matters
- Longer history can strengthen your profile.
- It provides more data for lenders to assess.
- It can help balance the impact of new credit.
FAQs
Does closing an old card hurt my credit age?
It can reduce your average account age over time, depending on your other accounts.
How can I build credit age if I am new to credit?
Use a small account responsibly and give it time. Age builds naturally.
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