 TITLE: How Is Your Credit Score Determined? CONTENT: Length of Credit History\n------------------------\nResponsibly managing credit accounts over a long period of time can help your credit scores. Credit scoring models may look at the age of your oldest account, newest account and the average age of all your accounts when factoring in credit history.\nThere's no shortcut to building a lengthy credit history, although becoming an authorized user on an account that the primary user has had for a long time may help. If you decide to close a credit card account in good standing, it can remain on your credit report for up to 10 years, and could continue to help your credit scores during that time. However, closing an account reduces your overall available credit, which could have a negative effect on your scores. END