Credit history length
Credit scores & reportsThe length of time you have been using credit.
Overview
Longer history can help lenders assess risk more confidently.
Short history is common for people new to credit.
Why it matters
- It affects scoring and lender decisions.
- It provides more data for risk assessment.
- It can help offset recent activity.
FAQs
How long is a good credit history?
There is no set length, but longer is generally better.
Can I speed up credit history length?
No. It builds over time with consistent use.
Related terms
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