Yep, as Timothy said, there's a flag, but there does not appear to be any negative effect actually associated with it.
An early "cool your jets" warning, maybe?
But in fact, as credit has been transformed over the last 10 years or so, I'd say many people with 20 and 30+ years' worth of credit will be seeing this flag.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007