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@Anonymous wrote:
Hi everybody, I've read the forums here for awhile, thought I would go ahead and start posting! After getting up to speed on some things I've read here, I went ahead and signed up for ScoreWatch. Right now it shows my Equifax at 712! I know it's a pretty good score, but my biggest detractors seem to be average age of account and short credit history. My question is... Considering I am only 21 years old, how long will I typically have to wait until I see a dramatic improvement (20-30+ points) in those areas? It seems in order to be a "high achiever" I need to be in my 40s. This might have something to do with the "bucket" system I'm still not familiar with. Thanks everyone for your helpful insights.
mrchase928 wrote:
Hi everybody, I've read the forums here for awhile, thought I would go ahead and start posting! After getting up to speed on some things I've read here, I went ahead and signed up for ScoreWatch. Right now it shows my Equifax at 712! I know it's a pretty good score, but my biggest detractors seem to be average age of account and short credit history. My question is... Considering I am only 21 years old, how long will I typically have to wait until I see a dramatic improvement (20-30+ points) in those areas? It seems in order to be a "high achiever" I need to be in my 40s. This might have something to do with the "bucket" system I'm still not familiar with. Thanks everyone for your helpful insights.