The thing that won't die!

[markbeiser]

I'm not complaining, but it seems a little past due for this old Sears Plus card, closed in 2011, to fall off my Equifax report. It fell off TU and EX in 2021...
Opened in 2007 to buy a full set of appliances for my new house on a 0% offer, paid off in 2008 and never used again.
They first dropped the limit, then closed it for non use in 2011, but kept reporting it positively until 2017.🤷‍♂️
Is this an EQ fortunate failing, or just that Sears/Citi couldn't be bothered?🤔
It does make my AAoA a bit higher with EQ than the others, so I'm not going to poke any bears.

[BallBounces]

Right, why complain?  Looks like it is giving you 2-3 points.

 

For some reason, I also  have two accounts WELL past 10 years since closure and last activity on EQ.  At least yours shows a 2017 activity date which would certainly be a reason for it still reporting. 

[AndySoCal]

My first credit card was with store called Mervyns I opened the account in May of 1982. Mervyns closed in 2008 which is the date of last activity. For some unknown reason the account was reported in 2015. The account is still on my report with 42 years of credit history as Equifax tells me. I am going to leave it alone.

[BallBounces]

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@AndySoCal wrote:

My first credit card was with store called Mervyns I opened the account in May of 1982. Mervyns closed in 2008 which is the date of last activity. For some unknown reason the account was reported in 2015. The account is still on my report with 42 years of credit history as Equifax tells me. I am going to leave it alone.

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Those of us of a certain age certainly remember our mothers taking us to Mervyns for new school clothes.  Circa 1982 perhaps.

It's bananas to have a Mervyns card on your credit report, 

[AndySoCal]

@BallBounces What is more bananas is I still have card I was 23 or 24 years old at that time with absolutely no credit. They took a chance on me and I rewarded them by spending at my local store regularly. When Mervyns closed I started shopping at JC Penney again so to speak. Why because that is where mom took me to get clothes etc. Hence the JC Penney card in my signature below.

[BallBounces]

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JC Penney again so to speak. Why because that is where mom took me to get clothes etc. Hence the JC Penney card in my signature below.

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I wasn't gonna say anything about it but ..... 

[DebbsSeattle]

I have to wonder myself...my 2003 Lowes still shows even though closed in 2008. They might be one that keeps the oldest, in good standing Acc't as a goodwill gesture? To mark some level of credit history length? My dearest got his Amex in 1982 as his first credit card. He still has it and has always been a good credit citizen. He is most likely the rarity. Most of us probably dropped our oldest account over time as we outgrew it (mine was Sears at the age of 18 and one day) as Mother said it was a store where I could buy anything if I ever needed it...clothing, appliances, car repairs. Yep outgrew it once I discovered major credit cards over store cards. I for one am not poking the bear. It adds 7 years to my credit age in that bureau.

[mAtchew]

I have a credit line open from a jewelry store that I bought a ring from about 14 years old still open. I have not used it since. I went there to start my credit profile at the recommendation of my parents. Same scenario though - no idea why they still have not closed it due to inactivity. But, I am not complaining 

[BallBounces]

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@mAtchew wrote:

I have a credit line open from a jewelry store that I bought a ring from about 14 years old still open. I have not used it since. I went there to start my credit profile at the recommendation of my parents. Same scenario though - no idea why they still have not closed it due to inactivity. But, I am not complaining 

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That's actually a different topic, although interesting.

This thread is more about a very old CLOSED account, which by all accounts should have fallen off of credit reporting accounts but has not.

[Pppoolboy]

Guess it's time to retire my Bullock's credit card