Length of Credit History

[Anonymous]

One of my co-workers is alarmed that his length of credit history shows 26 years, when he is only 26 years old.  How is it possible for one's credit history to be almost as old as he is?

[Anonymous]

Sounds like he is an AU on one of his parents CC accounts. 26 year AAOA is a great thing.

TBC

[Anonymous]

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@Anonymous wrote:

One of my co-workers is alarmed that his length of credit history shows 26 years, when he is only 26 years old.  How is it possible for one's credit history to be almost as old as he is?

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He probably had really smart parents.

That is, if that card is reporting positively with no utilization lol

[Guava]

He should check his report to know for sure 

[RobertEG]

I agree that the only way he could have a credit history longer than that of his own personal accounts is by having been added as an authorized user on the account of another consumer.

If that is his situation, he should read up on the pros and cons of being an authorized user.

One point to be aware of is that it affects all of his scoring categories, and not just length of credit history, so while being an AU, there is no way for him to separately obtain a FICO score that reflects his own, personal credit risk.

[Anonymous]

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@Anonymous wrote:

Sounds like he is an AU on one of his parents CC accounts. 26 year AAOA is a great thing.

TBC

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That was my first impression, but as another Member has said, he should check his credit report closely to see what account is giving him that 26 years of history.

Best of Luck.