FICO score reason code · Code 14
“Length of time accounts have been established” — Decoded.
That line on your denial letter isn’t an insult — it’s a standard reason code, and it’s telling you exactly which lever moved against you. Here’s what it actually says about your file, in plain English.
The short answer
“Length of time accounts have been established” means: Your overall file age (oldest and/or average account age) is low. It does not mean: You should open new accounts to 'build history faster' — that lowers your average age first. The 800 Club’s team turns this reason into a plan on a free strategy call.
Lever: Age Of File
Build Phase — time and structure, not tricks