New Member
Posts: 10
Registered: ‎03-26-2009

(not) understanding this "hurting" item

Can anyone help me make sense of this?


As long as I can remember, I've gotten this as a "hurting your credit score" item:


"You have a short credit history."


Then Suze's Platinum kit provides these details:


Your oldest account was opened
39 Years, 9 Months ago

FICO High Achievers opened their oldest account 19 years ago, on average.


Average age of your accounts
7 years

Most FICO High Achievers have an average age of accounts between 6 and 12 years.



what's up with that?



Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: (not) understanding this "hurting" item

My guess would be that the formula thinks that for someone with such a long overall history, your AAoA ought to be higher.

I get the same thing: 19y 10m for longest, but something like 4y 10m AAoA. It doesn't like having my history so weighted toward the new stuff.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Member
Posts: 10
Registered: ‎03-26-2009

Re: (not) understanding this "hurting" item

Thanks for the reply, Hauling.  My scores are just below 680, meaning every crazy formula thing really makes a difference.  Could I possibly be better off removing the ancient account -- an AmEx account my parents put me on as an authorized user when i was 13 or something for emergencies -- from the TransUnion account?  


Do i even have the option of removing an account in good standing from my account because their formula penalizes me for it?


oy vey! 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.