cancel
Showing results for 
Search instead for 
Did you mean: 

what is considered a short credit history

tag
ChistineNJ
Frequent Contributor

what is considered a short credit history

although im almost 2yrs post bk i keep getting a indicatior that I have a short credit history. at what point will it be considered that my credit history is no longer short? the oldest acct is 13 years old (sl account still open) ?

C1 Venture 15K| NFCU NAV CHECK 15K| CASH REWARDS 5K| CARE CREDIT 3K| NORDSTROMS 1K| LORD & TAYLOR 1100| WALMART 600| TargetRed 500|Rebuilders

CAP1 1650| CAP 1 1100| BARCLAYS 2500| NREWARDS 8500|
SCT: VS 1100| EXPRESS 1100| JCREW 250| *HIDDEN TL BML 650

SCORES 709, 657, 623
Pre BK scores: 569, 587, 553
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: what is considered a short credit history

I would say two-four years is typically a short history.  It took about 3 years before I stopped needing a co-signer due to insufficient credit history.

Message 2 of 6
Scupra
Super Contributor

Re: what is considered a short credit history


@ChistineNJ wrote:

although im almost 2yrs post bk i keep getting a indicatior that I have a short credit history. at what point will it be considered that my credit history is no longer short? the oldest acct is 13 years old (sl account still open) ?


What is your current AAoA?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 3 of 6
ezdriver
Senior Contributor

Re: what is considered a short credit history


@ChistineNJ wrote:

although im almost 2yrs post bk i keep getting a indicatior that I have a short credit history. at what point will it be considered that my credit history is no longer short? the oldest acct is 13 years old (sl account still open) ?


A minimum of two months of solid, ontime payment history on at least three tradelines.

Message 4 of 6
gbwhite1
Established Member

Re: what is considered a short credit history

I was told by one of the CRA's that 19 years aws a short credit history. Go figure.....

Message 5 of 6
ezdriver
Senior Contributor

Re: what is considered a short credit history

Wow ... 19 years aint short by any measure!

Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.