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Good stuff from my EQ report - What’s helping your FICO score
You have an established credit history.
Your oldest account was opened 20 years ago
Most FICO High Achievers opened their oldest account 19 years ago, on average.
Average age of your accounts 8 years
Most FICO High Achievers have an average age of accounts between 6 and 12 years
Bad stuff from DW's EQ report - What’s hurting your FICO score
You have a short credit history.
Your oldest account was opened 20 years ago
Most FICO High Achievers opened their oldest account 19 years ago, on average.
Average age of your accounts 8 years
Most FICO High Achievers have an average age of accounts between 6 and 12 years
MidnightVoice wrote:Good stuff from my EQ report - What’s helping your FICO score
You have an established credit history.
Your oldest account was opened 20 years ago
Most FICO High Achievers opened their oldest account 19 years ago, on average.
Average age of your accounts 8 years
Most FICO High Achievers have an average age of accounts between 6 and 12 years
Bad stuff from DW's EQ report - What’s hurting your FICO score
You have a short credit history.
Your oldest account was opened 20 years ago
Most FICO High Achievers opened their oldest account 19 years ago, on average.
Average age of your accounts 8 years
Most FICO High Achievers have an average age of accounts between 6 and 12 years
Both are over 700, but mine is over 40 points higher -
Joe77 wrote:LOL!Well...I assume your FICO is well over 700? At that point they have to give some sort of "bad" reasons since you're not exactly at 850...which no one is.
Well, my DW and I are similar vintage, and we moved back to the states at about the same time (and got a joint credit card). Hence we are as similar as we could be in that respect
MeganML84 wrote:I wonder...does the proportion of your actual age vs. the age of your oldest account come into play here? I mean, yours states the "good thing" contributing to your report is that your oldest account is 20 years, which would be great if you were, let's say 36 years old. Maybe if your wife is like 89, then it would be bad that her accounts were *only* opened 20 years ago:20 to 36=good20 to 89=badAlthough, I'm sure your wife is not 89 years old.Or if she is, tell her to reopen her oldest credit cardHaha, jk.
TheNewWorldMan wrote:
Joseph Heller would have loved that one.