There is no such thing as a universal credit score number that is used by all lenders when it comes to decisions about loans.

The 'score' provided by, say, Experian, is fairly meaningless. When you apply for credit, your application details will go through an application scorecard which has been developed by the lender to suit their lending profile, this produces a score on which accept/decline/refer decisions and risk based pricing are made. The lender will never reveal this score, nor how it is calculated, as it is commercially sensitive.

In answer to the OP, when I was involved in scorecard development, we did not look at the length of any credit agreement.

Edited by DieselBoy on 09/10/2019 at 17:59

There is no such thing as a credit score number when it comes to lenders decisions about loans.

The 'score' is something invented by those offering credit and used as a marketing tool.

I don’t like to owe money and when I use a credit card for the protection offered, I pay it off ASAP. And yet my credit score is far from perfect. Maybe someone saw me going to Home Bargains and Lidl?