https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Length-of-credit-history/m-p/1606756#M209261 <P>On my Trans Union credit file, it shows that the length of my credit history is&nbsp;20 years (I am 39, so this is correct).&nbsp; This is from a student loan and an old Macy's account that is no longer open.&nbsp; My Trans Union score is decent.&nbsp; On the other hand, my Equifax score is lower, much lower.&nbsp; The main reason is that I "do not have an established credit history."&nbsp; Equifax states that my length of credit history is 13 years.</P><P>&nbsp;</P><P>Equifax deleted both tradelines from the student loan and Macy's.&nbsp; Equifax claimed that they are not required to report them any longer.</P><P>&nbsp;</P><P>Do I have any recourse.&nbsp; Stating that my length of credit history is 13 years is totally false.&nbsp;</P><P>&nbsp;</P><P>Any advice?</P> Tue, 25 Sep 2012 00:23:42 GMT Anonymous 2012-09-25T00:23:42Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Length-of-credit-history/m-p/1606756#M209261 <P>On my Trans Union credit file, it shows that the length of my credit history is&nbsp;20 years (I am 39, so this is correct).&nbsp; This is from a student loan and an old Macy's account that is no longer open.&nbsp; My Trans Union score is decent.&nbsp; On the other hand, my Equifax score is lower, much lower.&nbsp; The main reason is that I "do not have an established credit history."&nbsp; Equifax states that my length of credit history is 13 years.</P><P>&nbsp;</P><P>Equifax deleted both tradelines from the student loan and Macy's.&nbsp; Equifax claimed that they are not required to report them any longer.</P><P>&nbsp;</P><P>Do I have any recourse.&nbsp; Stating that my length of credit history is 13 years is totally false.&nbsp;</P><P>&nbsp;</P><P>Any advice?</P> Tue, 25 Sep 2012 00:23:42 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Length-of-credit-history/m-p/1606756#M209261 Anonymous 2012-09-25T00:23:42Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Length-of-credit-history/m-p/1606774#M209262 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>On my Trans Union credit file, it shows that the length of my credit history is&nbsp;20 years (I am 39, so this is correct).&nbsp; This is from a student loan and an old Macy's account that is no longer open.&nbsp; My Trans Union score is decent.&nbsp; On the other hand, my Equifax score is lower, much lower.&nbsp; The main reason is that I "do not have an established credit history."&nbsp; Equifax states that my length of credit history is 13 years.</P><P>&nbsp;</P><P>Equifax deleted both tradelines from the student loan and Macy's.&nbsp; Equifax claimed that they are not required to report them any longer.</P><P>&nbsp;</P><P>Do I have any recourse.&nbsp; Stating that my length of credit history is 13 years is totally false.&nbsp;</P><P>&nbsp;</P><P>Any advice?</P><HR /></BLOCKQUOTE><P>EQ is correct.&nbsp; They don't have to report them if they are closed and over 10 years old.&nbsp; Just leave them alone on TU, eventually they'll fall off there too.</P> Tue, 25 Sep 2012 00:37:25 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Length-of-credit-history/m-p/1606774#M209262 Shogun 2012-09-25T00:37:25Z