What is considered a robust credit file?

[Anonymous]

I was wondering what you guys think is robust credit file is? 

Lots of cards paid on time, etc.

[Anonymous]

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@Anonymous wrote:

I was wondering what you guys think is robust credit file is? 

Lots of cards paid on time, etc.

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I'd say look at Irish's profile.  There's prime cards.   There's diversity of lenders.  There's history. 

[Anonymous]

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@Anonymous wrote:

I was wondering what you guys think is robust credit file is? 

Lots of cards paid on time, etc.

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Lots of depth and width - meaning AAoA of five or more years, with well aged revolving accounts, along with lots of diversity - various lenders, multiple revolving accounts, installment accounts and mortgage accounts both open and closed.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I was wondering what you guys think is robust credit file is? 

Lots of cards paid on time, etc.

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Lots of depth and width - meaning AAoA of five or more years, with well aged revolving accounts, along with lots of diversity - various lenders, multiple revolving accounts, installment accounts and mortgage accounts both open and closed.

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Thanks for the info Looks like I have a looooong ways to go. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I was wondering what you guys think is robust credit file is? 

Lots of cards paid on time, etc.

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Lots of depth and width - meaning AAoA of five or more years, with well aged revolving accounts, along with lots of diversity - various lenders, multiple revolving accounts, installment accounts and mortgage accounts both open and closed.

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Thanks for the info Looks like I have a looooong ways to go. 

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That makes two of us!

[RobertEG]

Each scoring category has its own criteria.