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irvinmaslow

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I have a D on av age of accts 37r 9 mos?? and F hard credit inq 31 (all for refi)?? what gives
credit score at 764 should be well above 800 why is 3 yr 9 mos av age of accts even a factor at all? by the way my sears acct changed source but I have had it 40 years!! the hard credit score, F; is because of the # of inquiries but thy are all from one cause my refi's and shopping for a good lender (hard to do)

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When calculating your score, hard inquries for the same type of credit within the same 45 days are counted as one, but they still show on your report and Credit Karma will still give you an F, but it shouldn't actually lower your score.
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As for the avarage age of accounts, click on Average Age of Open Credit Lines and see what it says under "oldest tradeline". If it says 40 years, then you must have tons of new accounts bringing down the average age - but more likely, either that specific card doesn't report to transunion, OR changing the source reset the account's age.

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