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Question By
flounder11

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Why is it that my credit history is 4 yrs? I am 50 , & have over 30 yrs of credit history.

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The 'Age of Credit History' is an average of the ages of all the open credit lines that are reporting.

If you have closed accounts in the past they will not contribut to the average age.

You should check your credit report to see what accounts are listed and what the ages are. On Credit Karma you can find the listing in 'Credit Factors', 'Age of Credit History', and then click 'See All' under  'AGE OF YOUR ACCOUNTS'. You should find a list of all of your active credit lines and the age they are reporting.

If you see that some are missing or are reporting incorrect ages you may need to get them corrected.

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Reply by
JohnnyRain127

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Creditors/credit bureaus do use both age of credit and avarage age of credit, it isn't always just your average age of your accounts... Some place like Credit Karma only use your open accounts into your "average" age of credit, while credit bureaus and FICO score models uses both open and closed accounts into your age and average of credit. People would need to read the smaller prints and disclaimers to see what it is referring to... Op might have 30 years of credit history but they can only see what's in your credit report currently, if your old closed account has been age off your report? Then they have no way knowing/seeing them.

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