That could be, but as I understand it (somebody PLEASE correct me if I'm wrong) the date they opened the account shouldn't matter b/c it's based on DOFD with the OC. At least I hope I understand that correctly!
Why not open a Crown Jewelers account to help get your utilization down? No credit check and you'll probably start with a CL of either $1500 or $2500. You'll have to order something in order to activate the card, but it can be as small as a pair of earrings with an $8 down payment + shipping so your cost to start this $1500 or $2500 CL and have a new revolving on your CRs, can be right around $20.
You apply and within about 24 hours you should have an email reply, then you order something and they report to your EX & TU at the beginning of the next month. If you can do it right now, apply today & order tomorrow so hopefully they'll report in early August. That will help lower your util. right away and you MAY see a little movement in those two scores before mid-August.
After that, make minimum payment and after two months you're paid off, then you just need to order something every 5-6 months to keep them actively reporting.
jbh wrote:
Also, if these accounts closed in 2004, what leads to the delay for these CA's to have them on file? (2-4 years later). Do they do this on purpose to delay it being wiped off? (Instead of it expiring in 2011, it'll be 2013+)