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The Five Factors of Your Credit Score: FACTOR FIVE

Length of Credit History is 15% of Your Credit Score

Brought to you by Kenneth Castro


When it comes to the factors that go into making up your ultimate credit score, length of credit history accounts for 15% of your score and it can add provide you with as much as 127 points of a top score of 850. That's a big percentage and well-worth making sure you manage your credit history wisely to maximize those points.

While each of the 5 Credit Score Factors bears its own unique level of importance, this one is key because it traces your credit path all the way back to your oldest account listed on your report. Generally speaking, the longer your credit history, the higher the score for this particular factor. However, even people who have not been using credit long may get high scores, depending on how the rest of the credit report looks.

Your Length of Credit History takes into account the following 3 points:.....

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Hey Ken, Thanks once again for your service on this loan! I referred clients of mine and gave them your name and number and a strong recommendation. Be well,

Richard J. Hill
Lisle, IL