Comments on: Check your “Credit Age”

By: Danielle

Danielle — Thu, 05 Feb 2009 00:38:33 +0000

I got a 44, credit connoisseur.

I agree there is not much point to this other than for fun, but then that is what he said in the post to begin with. And it is a little fun, even for someone who feels like she has it under control.

I would be really curious what being a woman or a man has to do with this quiz? I changed only that 1 answer and got the exact same score. Would anyone else be willing to retake the quiz and switch the gender, did it make a difference?

I think it might be helpful for people just starting to get a handle on their finances to see that having a card open a long time, and keeping the charged/avail credit ratio low help in the credit score.

By: Rob

Rob — Sat, 31 Jan 2009 07:08:17 +0000

No disrespect,.. but this is kind of pointless. I mean, what does your credit age apply to? Nothing. All it really does is put your knowledge and ability of handling debt against an arbitrary number. I already know that I’m smart about my credit handling, so I don’t need a site to pat me on the back. Heck,.. I would suppose most people that would go to a site like that would already know their position on credit.

I’m sorry,.. I guess I just don’t see the point.

(By the way,.. I’m a 45 year old Credit Connoiseur)

By: Ashley @ Wide Open Wallet

Ashley @ Wide Open Wallet — Fri, 30 Jan 2009 17:29:23 +0000

I got age 49. Not to bad. It’s weird on the credit card thing because I carry credit card debt but it’s at zero percent. If it weren’t then I wouldn’t carry it. So that always throws my score off in things like this.

By: Keith Lauren

Keith Lauren — Fri, 30 Jan 2009 17:04:58 +0000

@CD – Thanks for posting about this. We are looking for ways to try and make what can be a boring subject at times a little more fun. It’s a learning process to see what users like and react to.

@Craig – I think your right in that it could use some education at the end to say what is good and bade for each answer and why. I’ll see what I can do on that end to make it more useful.

By: pfincome

pfincome — Fri, 30 Jan 2009 04:13:12 +0000

I had never heard of credit age but got a 43.

By: Craig

Craig — Thu, 29 Jan 2009 19:17:57 +0000

Sounds like a good tool if it can help describe how you can benefit or how it may be a negative thing that you correspond with your score. Otherwise it doesn’t have any true value.

By: lulugal11

lulugal11 — Thu, 29 Jan 2009 14:45:54 +0000

I got age 42 and Credit Connoiseur.

By: Clever Dude

Clever Dude — Thu, 29 Jan 2009 11:38:27 +0000

@JK – As a note, if you don’t have credit cards or much open debt, then I think the site assumes you don’t have the credit history either. In general, the less credit history you have, the lower your FICO score because banks, etc. have less information to base their decision on about you.

By: JK

JK — Thu, 29 Jan 2009 02:11:15 +0000

The only problem is, if you say you have no debt you get a lower score than if you say you always pay your mortgage and other loans on time. There’s no option for “i own my house outright and carry no debt at all” — which maybe would make you Credit Crone, ha ha.

By: poor boomer

poor boomer — Thu, 29 Jan 2009 01:59:23 +0000

I’m a credit newbie (8).