The length of your credit history is determined by when you opened your first line of credit.

A lot of components go into building a positive credit history and credit score including the current age of your credit history.  Your current credit scoring model, such as FICO, may determine your credit score by calculating the average length of time that your current accounts have been open or the age of your oldest account. For example, if you recently opened your first credit card, then you may see your credit score be relatively low (even if you opened it 3-4 years ago). You can help your credit history have a positive impact on your score by avoiding opening up new cards and lines of credit. An  insufficient credit history may have a small effect on your score, but that can be offset by other factors, such as timely payments on certain debt and credit accounts and low balances.

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What People Have to Say

I just wanted to thank your entire staff at The Law Offices of Leslie H. Tayne, for helping me get out of debt. If it wasn’t for your firm, I would have never been able to resolve my $13k worth of debt in less than 3 years. Your staff did a great job, I was finally able to buy myself a brand new car without using a cosigner. I can’t tell you again how happy I am. I would recommend your services to anyone.

L.C. Client 2007-2009

I sleep like a baby at night now because of the work that you and your office have done. Rest assured that I will refer anyone I know to your office with conditions that are similarly circumstanced.

R.S. Client 2012-2014

You have been very helpful at first directing me in the right direction when I had no clue how to go about handling everything, I really appreciated all your advice and help and hope we can work something out. Thanks again for all your help and kind words, and patience.

D.M. Client 2009-2012

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