What Is the Length of Credit History?

This factor measures how long you've been using credit. It's not just your oldest account — it includes:

• Your oldest account age
• Your newest account age
• The average age of all accounts

A longer history shows stability, reliability, and years of responsible use.

Why Length of Credit History Matters

Lenders want proof that you can manage credit over long periods. A short credit history can make you look inexperienced or higher risk.

• Older accounts build trust with lenders
• Longer history improves approval odds
• Helps qualify for lower interest rates
• Increases your overall credit score

How to Build a Longer Credit History

• Keep old accounts open (as long as they have no fees)
• Avoid closing credit cards — closing shortens your average age
• Avoid opening too many accounts too quickly
• Become an authorized user on someone’s long-standing card
• Use accounts responsibly so they stay active and positive

Time is the biggest factor here — the older your accounts get, the stronger this category becomes.

Common Mistakes That Hurt Credit History Length

• Closing your oldest credit card
• Opening several new cards in a short span
• Letting accounts go inactive
• Removing authorized user accounts that help average age

Small decisions can have long-term effects on your credit age.