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Is 728 A Good Credit Score – When Will My Short Credit History Stop Hurting My Credit Score? – Credit Card Insider


Is 728 A Good Credit Score – Best Deal Right Now?

Today’s question is: When Will My Short Credit History Stop Hurting My Credit Score?
Ask us your credit questions in the comments and find your next card at

There are many factors that go into creating your credit score, and one of them, Age of Accounts, takes up 15% of your FICO score. Do you know how to get the most out of this category? What goes into this calculation, and how long does it take before an account is no longer considered young? How many credit accounts does it take to get beyond a “thin” file?
Learn more about the components of your credit score here:

Every week, John Ulzheimer answers YOUR credit questions. Leave a comment, email us, give us a call, or ask on live chat, and we may answer your question on YouTube!

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  1. David Pinno
    July 24, 2021 at 5:25 pm

    do u do private credit consultation

  2. Kefir Aviel Ben Israel
    July 24, 2021 at 5:25 pm

    Hello. I have a considerable good to very good credit FICO score according to the 3 major bureaus. I want to close my oldest credit card in which has a low credit limit, $100 annual fee, poor perks/rewards, and high interest rate. I'll be replacing it with non hard inquiry credit card through my credit union beforehand by $2k? Do you think this is justified and will balance the impact of removing the card?

    July 24, 2021 at 5:25 pm

    This answered nothing really

  4. David Brown
    July 24, 2021 at 5:25 pm

    What about age of revolving credit? My student loans are old, but my 3 new credit cards are only 2 months old. I think that needs 4 months minimum, right?

  5. jean torres
    July 24, 2021 at 5:25 pm

    Well I jst got another credit card so now I have 4 accounts . But my oldest account is 2 years and 7 months and my average age is 1 year 10 months and I’m 28 I wish I can go back in time and knew all this credit stuff

  6. David Pinno
    July 24, 2021 at 5:25 pm

    oldest account does it have to be open to continue to count towards average age or age of credit

  7. Stephmall1982
    July 24, 2021 at 5:25 pm

    Does the credit age only apply to open accounts or all accounts on the credit report?

  8. Al May
    July 24, 2021 at 5:25 pm

    credit karma says total accounts is also a part of your credit score. Should I get more secured credit cards to get more total accounts, my current avg age is about 4 months so I do not think my average age will be affected too much. I have 2 secured cards and 1 regular credit card, I have no other loans so should I take out a self lender loan to have different open types of credit?

  9. Jessica Gonzàlez
    July 24, 2021 at 5:25 pm

    When will my income stop hurting my ability to apply for other credit cards?

  10. Nathan Oberg
    July 24, 2021 at 5:25 pm

    Thanks John, really well done. Quick question. I am 21, I'm really responsible with my money and until recently I was determined to never get a credit card. Well, I changed my mind and I now have two credit cards that I got at the same time 5 months ago. I have been paying them off in full every month after statement date is issued. Utilization is at 4%, 100% made on time, 0 derogatory marks. My question then is this, you mention that having 4 accounts is generally better. I have two. Is it better to take the hit to the hard inquiry category, and the hit to average age of each account now? I imagine it would be since the longer I wait to add the accounts the lower my average age would be at any given time right? Would it be worth it to wait a little while to try to qualify for some better cards since I'm planning to be stuck with them for a very long time?

  11. Frank Bradford
    July 24, 2021 at 5:25 pm


  12. Charles Cowden
    July 24, 2021 at 5:25 pm

    I was out of the country from 2005 until 2017 when I left I had excellent credit however upon returning I had zero credit. I'm 69 years old how do I restore my good credit.

  13. Jared Highlands
    July 24, 2021 at 5:25 pm

    Cool so I have 4 cards (just closed my chase wise scams go far card) been building credit for maybe 3-5 years so I guess it doesn’t affect me as much as I thought.

  14. Tammy Gibbs
    July 24, 2021 at 5:25 pm

    Hi I have a question, I had a 20 yrs credit history, I opened up a couple a new credit cards my credit history dropped to 14 years, then my 20 yrs mortgage was paid off on time, my history dropped to 8 months and I lost 53 points off my score. My mortgage company is still listed on my credit report will this hurt my chances of getting a new car. Credit score is now 659. What a slap in the face.

  15. Kenny Nabors
    July 24, 2021 at 5:25 pm

    Hello John I have a question for you if you make minimum payments on your credit card for a short period of time like 4 months doesn't make you look bad to the credit card issuers does that hurt your score just for that short. Of time? For your time and Happy New Year to you

  16. Kevin Lyons
    July 24, 2021 at 5:25 pm

    Thank you john at 24 years old all this stuff is new to me

  17. Ivy Agnes Nguyen
    July 24, 2021 at 5:25 pm

    If you have a bunch of cards that are left unused w/ a 0 balance due to say high interest rates or that they are retail cards, is it best to leave them open as long as they are not costing me anything as once they age they can help my average age? Perhaps to ensure they don't get closed for inactivity, I can maybe buy something small with them once a year & pay it off straight away?

  18. EatMeAlice
    July 24, 2021 at 5:25 pm

    I think this is the most frustrating part of credit. If I want to get a new credit card and take advantage of its rewards, I'm going to possibly hurt my credit, as a young person, and make it harder for me to get better credit? Goodness…

    I think my oldest credit card is about 7 years old now, and I opened a new credit card a year ago. I would like to open a new card now, for travel benefits. Does that mean my average age of accounts would be around 4? My credit is in the early-mid 700s. I would like to increase that and add more credit, however, I'm afraid my score will go down if I open another card.

  19. Emily Kearns
    July 24, 2021 at 5:25 pm

    I am considering closing a store credit card with a $250 limit. Would it hurt me that much? I have 2 other general cards, the limits add up to $3,500. I am learning a lot in these past few days.

  20. Zohaib Zafar
    July 24, 2021 at 5:25 pm

    Great video. Does churning hurt your credit score in this time category? Like if you close an account, does it go off your history?

  21. Corvux IX
    July 24, 2021 at 5:25 pm

    Awesome, thanks!