When checking a "credit score" on a certain website, it gave an Experian score which seemed lower than I thought it should be.
Under reasons my score was lower than it could be, it said
"Your report does not show any open, currently active major credit card accounts, such as Discover, VISA, MasterCard, or American Express. You may want to consider opening a major credit card, which is viewed positively by most lenders."
However, I have had an active, Citibank Mastercard (presently a Dividend Mastercard) for almost 10 years. Why does Experian think I do not have an active major credit card?
Details from report on the account below.
Bud H
CITI
Account Name: CITI
Account Number: XXXXXXXXXXXX
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $XX.XX
Date Open: 6/1/1998
Balance: $X,XXX.XX
Terms: Revolving
High Balance:
Limit: $0.00
Past Due:
Payment Status: Current
Comments: Account in dispute-reported by subscriber
CITI
EXPERIAN EQUIFAX TRANSUNION
Account Name: CITI
Account Number: 54661602XXXX
Acct Type: Credit Card - Revolving Terms
Acct Status: Open
Monthly Payment: $36.00
Date Open: 6/1/1998
Balance: $2,402.00
Terms: Revolving
High Balance:
Limit: $0.00
Past Due:
Payment Status: Current
Comments:
Account in dispute-reported by
subscriber
