ANSWERS: 2
  • standing credit? I don't want that to be negatively affecting my score and I feel that 5 years should be plenty long to determine whether or not I am a good or bad risk. Does anyone know about the time frame?
  • That may be considered a negative factor but it is minimal. You should ask the person preparing the credit report. You can't do anything about it. Work on the other negative factors to improve your credit score.

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