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Account aging

Established Member

Account aging

I know that the average age of accounts is a significant factor in determing your score.  At what age of account do you move from new credit to established?  Current average age of accounts is 4 years, but I believe I have some old, closed accounts which are reported as open and could be removed at any time lowering my average age to 2 years.  Any help would be appreciated.
 
 
Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: Account aging



Bluesque wrote:
I know that the average age of accounts is a significant factor in determing your score.  At what age of account do you move from new credit to established?  Current average age of accounts is 4 years, but I believe I have some old, closed accounts which are reported as open and could be removed at any time lowering my average age to 2 years.  Any help would be appreciated.
 
 


MODS: Please move to proper forum.
 
Why do you want the old accounts removed? Are they derogs?
Message 2 of 4
Established Member

Re: Account aging

The accounts in question were 60 days late at one point. 
Message 3 of 4
Moderator Emeritus

Re: Account aging

Have you tried a goodwill letter?
 
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661
Message 4 of 4