two fico issues...

[Smooth_J]

On my fico, I have several things affecting my score. One of them is my collections account and the others are: *Your oldest bankcard has not been open long enough. How long do they have to be open for? My oldest CC has been open for a few years... *Not enough revolving debt experience. How many credit cards do I need to have open, or is this related to the date the first one was opened? Thank you for your help everyone!!

[MidnightVoice]

Some comments from my CRs

Your FICO score measures the age of your oldest account and the average age of your accounts. Your FICO score was helped because you have a relatively long credit history and you haven't recently opened many new accounts. - FICO High Achievers opened their oldest account 19 years ago, on average. - Most FICO High Achievers have an average age of accounts between 6 and 12 years

Your FICO score measures the age of your oldest account and the average age of your accounts. Your FICO score was helped because you have a relatively long credit history and you haven't recently opened many new accounts - FICO High Achievers opened their first revolving account 19 years ago, on average.

[Smooth_J]

Hehe...so I have quite a while to go since I have around 4+ years to get that off my report No worries, just wanted to see how I can rectify that.

[Tuscani]

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Smooth_J wrote:
Hehe...so I have quite a while to go since I have around 4+ years to get that off my report No worries, just wanted to see how I can rectify that.

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Easy... wait longer... hehe