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According to a 3B pull from Equifax, I have a revolving/credit line acct from 2006 that is showing up as opened, inactive, paid as agreed, no lates, 0 bal, 0 past due, last reported late 2009. I'll keep it, I thought. After all, it's helping my AAoA (EQ6+, EX7+, TU8+) and contributing favorably towards my overall debt to limit (DTL) ratio for my revolving accounts (just over doubling it!). It shows up for all three bureaus.
When I reviewed my VS3 w/credit.com, however, it's not factored into my DTL, and it also seems to have been removed from AAoA because it reflects as 6+, instead of 7+, as it did with the FICO. My VS3 score with them is relatively strong, though, so still not a concern.
CK paints a dimmer picture, which leads me to the question, what would you do? According to CK, the lack of activity on this account is having an adverse effect on my score. Honestly, I have a list of more pressing matters that I'm resolving to fix that I'm confident is holding back my score considerably more, but I figured I'd ask, just in case someone has some wise words to share for when I get to the credit optimization portion of my trek. Thanks.
PS: I have no siggy at the moment. If I did, it would look something like this (below). I'm sharing so that you get a more complete picture of the score situation.
Me: April '17 - FICO8: DC = 602TU | EQ Comp = 570EQ, 575EX, 671TU (this ignited my hope to rebuild!) | VS3: credit.com = 619EX, CK = 577TU, 546EQ
Him: No Credit Report/Score
Short Term Goals: Me: All 640+, 100k HELOC | Him: All 640+, Mortgage-Approved | US: New house before April 2018
Long Term Goals: Me: All 850, 2 HELOCs @ low util, 2 new cars PIF | Him: All 800+, new truck, new motorcycle, dental work | US: 1 low util HELOC
Our Cards: Me: Disc | Him: BoA CR, JCP
Our Future Cards: Me: USAA Limitless, AmEx Blue Preferred, BJs Perks Elite, Another DiscIt or a Chase Freedom, Sams, Costco | Him: USAA Limitless
Leave it alone you want good paid accounts. Ignore CK its a FAKO score and hardly anyone uses it to approve credit.
I thought so. Thank you for the confirmation.