05-02-2013 04:37 PM
I finally decided to pull my credit score and report from myfico. It showed a citi bank credit card from 2004. My first year of college, I signed up for one of their stupid free t-shirts. Apparently this opened a credit card account (which they assured me it wouldn't)? I never activated it and it closed itself without me doing anything. I don't really know what to make of it. It's not hurting my credit score (FICO 780, which is a nice surprise.) and may actually be helping, because all my other cards are new acquisitions (BOA 123 in August, Chase Freedom in November). FICO says my credit history age is 8 years, which can only be true if you consider the Citi card or the card I'm an authorized user on.
Should I do anything about this or is it actually helping me?
How is it affecting the age of my credit?
05-02-2013 04:39 PM
05-02-2013 04:53 PM
05-02-2013 04:59 PM
FICO says three years. It also reports my electricity bill from this year but none of my ones since 2009 but hey, can't win it all I guess.
I'm pretty happy about this and feel like I should take advantage of it before this CITI thing falls off my credit report.
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