FICO score reason code · Code 30
“Time since most recent account opening is too short” — 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
“Time since most recent account opening is too short” means: You opened something very recently and the model is in wait-and-see mode. It does not mean: Closing the new account resets the clock — the opening is already on record. The 800 Club’s team turns this reason into a plan on a free strategy call.
Lever: Recent Activity
Build Phase — time and structure, not tricks