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The lifespan of your credit report is actually responsible for approximately 15% of your entire score and report. Lenders consider a lengthy history to be much more dependable, as long as it includes a steady level of on-time payments and approvals.
Creditors will also consider how long your oldest account is, and if you’re currently keeping up with the payments. Showing such a considerable amount of persistence in making on-time payments will not only heighten your score, but also contribute to lenders considering you low-risk.
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