Just a quick question. My credit score is in the 700-720's (which is nothing to shake a stick at) . I have a Cap 1 card I got many, many years ago. This account activity has never been reported to any of the CB's. Do you think it would help or hurt my score if I contacted Cap 1 and had the account info added to my credit reports?
Two points to keep in mind before you answer:
I carry a good sized balance on that card since it isn't reported, (not to mention the interest rate is only 6%).
If I had this card added it would be the longest held account on my report (over 10 years).