I think it must be 19+ years. That's how old the Discover card was when I added it and got whacked. I thought I'd gotten hit again when it hit 20, but when I looked at it again, I think it was something else. My best guess, anyway.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007