Hi All just checked my credit report and noticed that my oldest account is not showing up anymore. It was a paid car loan with no late payments. It is 10 yo so I think it naturally fell off. I was wondering if I should try to have it back on the report for a positive effect on my credit by contacting the creditor? Thanks.
Starting Score: 540
Hi sox,
Once the account is closed, it will usually drop off 10 years after closure. (Well, once in awhile they stay on forever, but that's just dang lucky). And if your account was nice enough to stay on the whole ten years, count your blessings. Sometimes they drop off much earlier than that.
I'm always a little sad when mine drop off. But they've done their good work on your credit report, and it's time to move on.
There's always something that can be done to up FICO scores. Give us a litle info on what's on your reports and you'll find lots of feedback on steps you can currently take to improve your score. ETA: Oh, I see you've got another post with that information - good stuff!
And, if you haven't had a chance yet, take a peek at Credit Scoring 101
Edited to clarify first sentence per Guiness. Thanks for pointing out the muckiness 
Hi thanks for the reply. This is my situation: My fico score is 550. couple of baddies, both within SOL 4 yo and verified. I think the reason why my score is so low is because i do not have any current open accounts. I opened two cc accouts. I want to get a mortgage loan and it requires 3 credit references. Thats why i thought maybe adding this old paid car loan would help.
