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Credit Age Calculator
Calculate the average age of your credit accounts and understand its impact on your score.
Your Accounts
Enter the date each account was opened.
Credit Age Analysis
Add at least one account with an open date to see your credit age.
Why Credit Age Matters
Credit age makes up about 15% of your FICO score. A longer average account age shows lenders you have experience managing credit over time.
Impact by age: Under 2 years is considered "Poor," 2–4 years is "Fair," 4–7 years is "Good," and 7+ years is "Excellent."
How to improve: Keep your oldest accounts open, even if you don't use them often. Closing old accounts can hurt your average age. Services like Dollar Ping keep rarely-used cards active so they continue to age.