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Member Since: March 2013

About Me: I am trying to figure out why Equifax does not show my 9 yr 10 month mortgage as credit age like Transunion does? It is affecting my credit on equifax under the credit age. I am in the red because they do not have USDA-RURAL mortgage in their records. Can someone help me? Or notify Equifax I have been making mortgage payments ontime for 9 yrs, 10 months. That would definatly increase my score.

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Apr 17, 2016

Opening a new account lowers your time with a card, thus affecting your score negatively. The longer you have a card the better. Example if you have 1 card for 8 years Your average is 8 years. Open another new card and now your average time with 2 cards is 4 years. The longer you have a card the better.