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

Open a new account today

Adds a 0-month account

Close oldest account

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