I'm over 70 and have a credit history going back 50+ years, yet your data for me goes back only about 20 years. In those 30+ unaccounted years, I had many other credit cards and home loans all paid off monthly, with no overdues, and a perfect credit history. Yes, I have a very good credit score, but it makes me wonder just how valid your scoring system is if it overlooks the majority of my credit history during which I could have been a total deadbeat???