Resurrection of still reported 33yr CL?

[DONZI]

Hello all,

On my EQ and EX reports I have the benefit of an old sears card. The account was closed in 2011 for inactivity and due to fall off the reports in August of this year..

Anyone think I have a possibility to open this account again?

Without it I'll soon be looking at roughly 6 years for oldest account.

Ironically, another sears card (2015) that was closed for inactivity in 2019. :/

Thanks!

[Jnbmom]

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@DONZI wrote:

Hello all,

On my EQ and EX reports I have the benefit of an old sears card. The account was closed in 2011 for inactivity and due to fall off the reports in August of this year..

Anyone think I have a possibility to open this account again?

Without it I'll soon be looking at roughly 6 years for oldest account.

Ironically, another sears card (2015) that was closed for inactivity in 2019. :/

Thanks!

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Short answer no

[FinStar]

Unfortunately @DONZI, as mentioned above, your Sears account won't be resurrected.  

[Bradac56]

I doubt Sears will be reserected.

[blindambition]

There's sometimes a small window to reopen an inactive closure with lenders, usually within a month. Certainly not a decade later. Always rotate spend, so cards don't get closed. Even a small purchase every 90 days will work.

[DONZI]

Thanks all for the answer and info!

I imagined it was a long shot.

Sears nonexistant here, after maybe 100 years, poof. Sad.

I didn't shop much with them but did like the parts direct and local repair that was once here.

[DoogieBall]

On my latest EQ, I still have an old Sears account reporting.  Opened when I was in college, closed June 2007.  I also have an Old Navy card reporting on EQ which was closed September 2008.

Maybe it won't fall off? 

[DoogieBall]

Interesting!  I just checked EQ again and Sears was reported October 27, 2016, and Old Navy reported January 29, 2016.  Perhaps the timer starts from those date.

[DONZI]

The August 2021 removal date was from a EX report, I only know it was influence on EQ through myFICO's oldest account stat.

EQ is going to be a challenge for getting a report because of the Q&A process.. I suppose there are errors or fraudulent activity since they always have 1 or more questions which are totally foreign to my reality.

Maybe I'll get lucky and the EQ report will retain the 1988 sears account longer. The EX data is pretty spotty, shows only first reported 1994, which definitely doesn't represent my first usage of the card, and almost certain it would not represent the last usage. EQ maybe has a bit more data than EX.

[AndySoCal]

I have Sears card that I closed in 2006 with a zero balance and it still on my Equifax credit report only.  The account should have fallen off in 2016.  The chances of you being able to reopen that account are nil and none in my opinion