Khabir

I want you guys to type 850 times 0.15.

Credit age is 128 points.

Right.

So the average age you want to have at minimum is seven years.

Now, if you want to get all of these 128 points, you want to have at least seven years on average across credit cards.

So if you got three credit cards, which I think that should be the minimum amount of credit cards, primary accounts you should have.

It's three.

Let's get a car loan, a credit card and a small loan.

You can get a daily federal pledge loan, an installment loan.

Right.

And so those are that's a good mix of credit.

Right.

But what you can do is if you don't have credit and you're trying to get credit, number one, you can get a trade line.

I don't suggest getting a bunch of trade lines.

You don't want to structure your credit report with a bunch of trade lines because it's not going to do you any good.

You can get one trade line.

that has like 20 years of age or however many will get you to eight years minimum, right?

And so when you do that, now you got 128 points.

So now you have no late payments.

You have no utilization issue because you paid your debt down.