what does "Length of time accounts have been established" mean?

[ac921ol]

I dont think that means AAOA cause right now my AAOA is at about 3.3years and thats after I app spreed and picked up 4 new cards end of Sept.

"Consumers with a limited credit history on their credit report - either because of the relatively short length of time their credit has been established or the small number of loan records reported - have not yet demonstrated their repayment history. As a consumer's use of credit or time on file lengthens, the impact of these score factors will lessen."

The only thing I can assume it means is I dont have history with those 4 cards, and thats why my score is TU676

I got that info from the Barclays Fico Score.

[tcbofade]

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@ac921ol wrote:

I dont think that means AAOA cause right now my AAOA is at about 3.3years and thats after I app spreed and picked up 4 new cards end of Sept.

"Consumers with a limited credit history on their credit report - either because of the relatively short length of time their credit has been established or the small number of loan records reported - have not yet demonstrated their repayment history. As a consumer's use of credit or time on file lengthens, the impact of these score factors will lessen."

The only thing I can assume it means is I dont have history with those 4 cards, and thats why my score is TU676

I got that info from the Barclays Fico Score.

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It's one of those ymmv things, but in your case, I think it means, "too many new accounts".

You just opened four new accounts in the last 30 days...

[09Lexie]

That's exactly what it means. Your newest accounts have not been established with a payment history. This is the reason why spreading sprees to 6-12 mos is ideal.

[ac921ol]

Thats what I was thinking, Im not worried about the accounts, I plan on gardening until Jan then Applying for the Amex BCP so I can get the Backdate to Jan 2013 and then garden until our next home purchase which could be end of 2014 or early 2015.