https://ficoforums.myfico.com/t5/Credit-Cards/Qustion/m-p/3006236#M851515 At what point (12 months, 18, etc) is established credit not considered too new? Also, at what point is a delinquency or derogatory item not considered too recent? Thank You Fri, 11 Apr 2014 21:26:44 GMT ktm214 2014-04-11T21:26:44Z https://ficoforums.myfico.com/t5/Credit-Cards/Qustion/m-p/3006236#M851515 At what point (12 months, 18, etc) is established credit not considered too new? Also, at what point is a delinquency or derogatory item not considered too recent? Thank You Fri, 11 Apr 2014 21:26:44 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Qustion/m-p/3006236#M851515 ktm214 2014-04-11T21:26:44Z https://ficoforums.myfico.com/t5/Credit-Cards/Qustion/m-p/3006266#M851520 <P>FICO scoring considers accounts to be new for the first 2 years. In reference to opening new accounts underwriters consider 6-12 months to be new.</P> Fri, 11 Apr 2014 21:43:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Qustion/m-p/3006266#M851520 gdale6 2014-04-11T21:43:12Z