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In theory, the older your account the more stable your credit should be. Thatâs why your credit score would benefit from being an aged account. There are two factors that are considered when the time in file can is being determined. The first one is through the general age of the file and the second is through the average age of the accounts within your file. The time in file makes up 15% of the FICO score. [link widoczny dla zalogowanych] Questions about our Service? We use an advanced 256-bit SSL encryption while handling your data. All your private information is kept securely in an encrypted format. More details can be found by reading our privacy policy.

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