.... Just to add, I looked at my 7 month old Equifax Fico credit report. It reports last activity under CC account as December, 2010. Under the scoring section it states "There is no recent activity on your credit cards" . That is a correct statement because there was 1 year plus of inactivity.

However, the Equifax Fico credit report I pulled yesterday, shows last activity on CC account as August, 2012, but the scoring section states " There is no recent activity on your credit card".  OBVIOUSLY INCORRECT.