Length of credit history?

[CreditDrama85]

can someone tell me at what stages(how many years are needed),for points allocated to shift the "lenght of credit history" from:

not good  to good?

        and

good  to very good?

       and

very good to great?

[fused]

Unfortunately, this is top secret. It's highly unlikely anyone really knows.

[CreditDrama85]

if i had to guess,

around 5 yrs = from not good to good

around 12 yrs= good to very good

15-20yrs=great

i just wondered if it was in writing anywhere or if anyone knew for sure.

[llecs]

It is a toss up. It could either be total credit history or average credit history or both. And the formula could vary between the three CRAs.

FYI, for EQ:

8/2/07 - Oldest 10 yrs, no avg. listed (est. around 2.5 yrs) - Good listed for LOCH

4/15/08  - Oldest 11 yrs, 3 mo & avg is 2 yrs - Good listed for LOCH

TU:

8/9/07 - Oldest 10 yrs, no avg. listed - Good listed for LOCH

3/1/08 - Oldest 8 yrs, 7 mo & avg. of 2 yrs - Not Good listed for LOCH

DW's EQ:

8/2/07 - Oldest 14 yrs & avg. 7 years - Very Good for LOCH

4/15/08 - Oldest 11 yrs, 5 mo. ago & avg. is 4 yrs - Good for LOCH

DW's TU:

9/1/07 - Oldest 14 yrs old & avg. 6 yrs old - Very Good for LOCH

4/1/08 - Oldest  10 yrs, 10 mo. & avg. history 3 yrs. - Good for LOCH

[guiness56]

I have a military star card I got in 1993. In 2003 they found out they listed me in the Navy instead of the Air Force and reissued the card. They closed the other card and transferred the balance to the new one. Now my history starts in 2003, a 10 year difference. Should it not still be 1993?

[Anonymous]

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@CreditDrama85 wrote:

can someone tell me at what stages(how many years are needed),for points allocated to shift the "lenght of credit history" from:

not good to good?

and

good to very good?

and

very good to great?

---

Hi, I have 1 year credit history(7 mounth average) and listed BAD.
I arrived less than 2 years to USA. My FICO score is 697, no late payment.

Somebody has NOT BAD status with 2-3 years of credit history length?

[Anonymous]

---

@Anonymous wrote:

---

@CreditDrama85 wrote:

can someone tell me at what stages(how many years are needed),for points allocated to shift the "lenght of credit history" from:

not good to good?

and

good to very good?

and

very good to great?

---

Hi, I have 1 year credit history(7 mounth average) and listed BAD.
I arrived less than 2 years to USA. My FICO score is 697, no late payment.

Somebody has NOT BAD status with 2-3 years of credit history length?

---

697 is a good score.......as long as you have no late pays it will continue to go up as the history ages!

History & cc accounts account more toward scores then anything else (except baddies)

[Anonymous]

I have 7 years and its lists as good.

[guiness56]

For what ever reason, it is showing I have no credit history at all.

[Anonymous]

Hi everybody,

Some update:

1 Year, 10 Months

Average: 1 Year

Credit history length still listed Bad