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How long is the length of the credit history that the scores consider?

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Do I have to leave the first credit account open? Is there any year limit that is considered to compute the scores? I mean what is the maximum no. of years that FICO considers about the clause "Length of credit history"?




You should have a minimum 6 months of credit history on at least one credit card. If you have a credit card for only 3 months, then it wouldn't help you generate credit score. It doesn't matter how much responsible you are with regards to credit card payments.

Sub: #1 posted on Tue, 04/02/2019 - 21:37

David Martin David Martin

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You need to have 6 months of credit history in one credit card. Less than 6 months credit card will not generate any history. So, to get a score, you need to manage it properly at least for 6 months.

Sub: #2 posted on Fri, 04/05/2019 - 05:47

sanderspatricia29 sanderspatricia29

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Minimum 6 months!! You need to use a credit card properly, make on time payments, and do not take out any cash advances. IT may cause you credit card debt (most of the time!!!)

Sub: #3 posted on Mon, 04/08/2019 - 22:39

Barbara Delinsky Barbara Delinsky

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