FICO score reason code · Code 25
“Length of time installment loans 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 installment loans have been established” means: Your installment loans (auto, student, personal, mortgage) are young. It does not mean: A penalty for anything you did — it is the installment-loan counterpart to code 12 (revolving account age), and it fades on its own. 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