Free Tool
Credit Age Estimator
Enter your accounts and see your average age of accounts (AAoA). Simulate opening a new card or closing your oldest — before you do it.
Your accounts
What-if scenarios
Results
Current AAoA
Projected
Oldest
Account ages
Account age timeline
AAoA Score Impact Guide
| Average Age | Rating | Tip |
|---|---|---|
| > 7 yrs | Exceptional | Protect — avoid new cards |
| 5–7 yrs | Very Good | Great shape |
| 3–5 yrs | Good | Each year adds value |
| 1–3 yrs | Fair | Don't open new accounts |
| < 1 yr | Building | Time is the only fix |
Critical Rules
Closed accounts still count for 10 years. Closing a card doesn't remove it immediately — but when it falls off, it can hurt.
New cards dilute fast. 5 cards × 4-year avg = 48 months. Add one new card → drops to ~40 months.
Keep your oldest card active. Put a small subscription charge on it so it never gets closed for inactivity.
Age of 15% of your FICO score. Combined with credit mix (10%), these passive factors are worth protecting. Learn about FICO →
Educational content only. This page is for informational purposes and does not constitute legal, tax, or personal financial advice. Results vary. Laws and bureau processes change. Consult the CFPB, FTC, and AnnualCreditReport.com for authoritative guidance. Full disclaimer
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