41: Average time since revolving accounts opened is too recent


Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. Because your revolving credit accounts were opened recently, the history on those accounts is not long enough to provide sufficient payment and account history to demonstrate responsible behavior.


Don't open more accounts than you actually need. Research shows that new accounts indicate greater risk, especially if overall account history isn't long. Your score will benefit as your accounts get older.