topic Re: "Ancient" card still showing.. in General Credit Topics

"Ancient" card still showing..

Anonymous — Tue, 30 Jul 2019 15:08:02 GMT

Opened a Synch/Lowes card way back in Feb "03. Limit was only $300 and was useless for what I was planning to do so I ended up closing it immediately. Not alot of CR info available back then (not like today) so didn't give it another thought. Now this card is still showing on EQ and EX as closed. We're talking 16+ years later. Probably because it reported to EQ and EX in Oct '15 for some reason, out of the blue, a green month in the middle of many, many blanks.

Should I do anything with this or just leave it? Don't know that it's really helping or hurting in any way. Not contributing to AAoA etc.

Re: "Ancient" card still showing..

Anonymous — Tue, 30 Jul 2019 15:12:15 GMT

See what others say, seems like it would make a great contribution to AAoA going back to 2003?!

Re: "Ancient" card still showing..

Anonymous — Tue, 30 Jul 2019 15:21:29 GMT

Would be great but it's not being calculated into AAoa...

Re: "Ancient" card still showing..

Remedios — Tue, 30 Jul 2019 16:30:45 GMT

@Anonymous wrote:
Would be great but it's not being calculated into AAoa...

Which CMS are you using to determine your AAoA?

Re: "Ancient" card still showing..

calyx — Tue, 30 Jul 2019 17:15:21 GMT

I have the same thing - a card from '96 that was closed in '08 with an "update" in 2015.
I hope it stays forever, haha.

And mine is absolutely being factored into AAoA/AoOA.

Re: "Ancient" card still showing..

BallBounces — Tue, 30 Jul 2019 17:29:19 GMT

@Anonymous wrote:
Would be great but it's not being calculated into AAoa...

Why do you believe this to be the case?

Re: "Ancient" card still showing..

Anonymous — Tue, 30 Jul 2019 20:15:49 GMT

Ok. Apparently a technical issue on my end somewhere. After seeing responses saying that it should be counting toward my AAoA, I logged out of everything and shut everything down. It occurred to me that i hadn't done it in quite a while. Started things back up and its now calculating it on EX and EQ. Went from 2y5m to 4+y. (CSP not reporting yet) Not sure what was going on.

Only unfortunate part is that it apparently never reported to TU, which is where I'm expecting my next HP to come from. Oh well.

Thanks all!

Re: "Ancient" card still showing..

Anonymous — Tue, 30 Jul 2019 23:25:42 GMT

Whether or not a CMS is "calculating" an account into AAoA isn't relevant. The only thing that's relevant is if the account is on your [real] credit report. If it is, it's being counted in AAoA and it's as simple as that.

Re: "Ancient" card still showing..

pizza1 — Wed, 31 Jul 2019 00:24:40 GMT

@Anonymous wrote:
Whether or not a CMS is "calculating" an account into AAoA isn't relevant. The only thing that's relevant is if the account is on your [real] credit report. If it is, it's being counted in AAoA and it's as simple as that.

Agreed. If you were to pull your true reports fro the CRA themselves...TU, EQ, and EXP, and that account is still there, its being factored in still.