This question was raised to me in a private conversation which I have no answers for.  This profile is relatively light with this account in question being the oldest and it is also closed.  The account was opened 1996 with one late in 2006.  The next oldest account is from 1999 with the remaining accounts, closed or open, opened from 2008. There are less than 10 credit records in the credit profile.  Score is decent at above 750 from all three bureau, 783 Eq, 770 Ex, 763 Trans.  This account only showed up on Equifax and Transunion.