65: Oldest real estate secured loan was opened too recently
A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. Your oldest real estate secured loan was opened too recently. A credit file containing older accounts will have a positive impact on your credit score because it demonstrates that you are experienced in managing credit.
Don't open more accounts than you actually need. Research shows that new accounts indicate greater risk. Your score will benefit as your accounts get older.