History Dropped off Report

[julieintown]

I had an extensive good history of credit that dropped off my reports after a 10 yr period of time I paid cash for everything not realizing my old credit history would drop off.  A few years ago I realized I had no credit when I when to lease a copier for the office.  I have built my credit back by opening new accounts but am getting hurt on my score becasue I only show a three year history.  I'm in my 50's and have an extensive good history but it fell off.  Can I request agencies to put it back on and how do I make that request to the three agencies?

[parakleet]

I don't believe that it's up to the CBs to put that information back on there. It would be the creditor that would submit the information to the CBs. I could be wrong though and I'm sure others will chime in. 

[09Lexie]

Welcome to the forum. Unfortunately, once it's off its off. The best thing to do now is continue aging your existing portfolio.

[knoregs]

You won't be getting the old history back but the good news is that a three year history is long enough to have a very good credit score.

~kn

[Crashem]

Did you have an Amex before? Amex backdating can save you. It saved me.

[PCMedic]

+1

[09Lexie]

Yep, me too.

[hot4u]

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@julieintown wrote:

I had an extensive good history of credit that dropped off my reports after a 10 yr period of time I paid cash for everything not realizing my old credit history would drop off.  A few years ago I realized I had no credit when I when to lease a copier for the office.  I have built my credit back by opening new accounts but am getting hurt on my score becasue I only show a three year history.  I'm in my 50's and have an extensive good history but it fell off.  Can I request agencies to put it back on and how do I make that request to the three agencies?

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Was in your same shoes 2 Years Ago.. Paid cash for everything...

I had to learn to crawl again..

Even thought about putting up $10,000.00 for a Amex Secured Card.

[red259]

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@julieintown wrote:

I had an extensive good history of credit that dropped off my reports after a 10 yr period of time I paid cash for everything not realizing my old credit history would drop off.  A few years ago I realized I had no credit when I when to lease a copier for the office.  I have built my credit back by opening new accounts but am getting hurt on my score becasue I only show a three year history.  I'm in my 50's and have an extensive good history but it fell off.  Can I request agencies to put it back on and how do I make that request to the three agencies?

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I had an outstanding history when I was in college and then like you at one point in my life I switched over to using cash (actually debit cards) for everything for years and all that history dropped off. It is a real pain to start over, but 3 years of history isn't bad at all.