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What's hurting your FICO score
You have a short credit history. Most FICO High Achievers have an average age of accounts between 6 and 12 years.
Length of credit history = 12 years
Seriously?!?!?!?! Just last week the length of my credit history was a factor that was HELPING my score.
OY!!!!! Craziness.
You mentioned that your length of credit history is 12 yrs. What is your average age?
Edit to add...I too am dinged for my history. As with your CR, my EX I think also has a 12 yr history. But my avg. age is only 2 yrs (thanks to my 10 new accts opened in the past yr. ).
My AAoA is 8 years
Ehhh they were just so used to having that big ol pile of negatives on there because of all my CA that when those fell off they felt the need to fill it in with something else and that is what they pulled out of their hats.
Or at least that is what I am telling myself until the next time I pull my FICO's