TransUnion Missing My Oldest Credit Card

[saronian]

TransUnion says my credit history is too short, but they are missing my oldest credit card. There does not appear to be a way to correct an item which in not shown.

Any ideas on how to get a card that is no longer active added to my TransUnion history? Seems worth at least 11 points.

Chevron Credit Card from April 1981 (Expired 08/2011)

Equifax 768 - Length of Credit 39YR 8MO

Experian 750 - Length of Credit 39YR 8MO

TransUnion 739 - Length of Credit 8YR 0MO

[Slabenstein]

If this is a closed card that has fallen off of TU, there is unfortunately no way to have it re-added.  If Aug '11 was the closure date, you can expect it to fall off of your other two reports by next fall.

[Anonymous]

I would agree, it's likely aged off at this point. And as noted, it will fall off the other reports as well at some point in the next year

[SouthJamaica]

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@saronian wrote:

TransUnion says my credit history is too short, but they are missing my oldest credit card. There does not appear to be a way to correct an item which in not shown.

Any ideas on how to get a card that is no longer active added to my TransUnion history? Seems worth at least 11 points.

Chevron Credit Card from April 1981 (Expired 08/2011)

Equifax 768 - Length of Credit 39YR 8MO

Experian 750 - Length of Credit 39YR 8MO

TransUnion 739 - Length of Credit 8YR 0MO

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There's nothing to correct. Closed accounts eventually fall off of the reports. TU was the first to drop it, but the other two will follow suit.

[saronian]

Thanks! Makes sense.

It will be like being 30 years old instead of 70.

[saronian]

Appreciate the quick reply. Now I know what to look for going forward.

[saronian]

Thanks! Since it's out of my control, so I'm moving on with what I have.

[SouthJamaica]

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@saronian wrote:

Thanks! Makes sense.

It will be like being 30 years old instead of 70.

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Yeah, history disappears.

That's one reason to sometimes keep accounts open even if you have little use for them.

[Anonymous]

That is one massive AoOA drop of > 30 years... looks like you didn't add much in the way of credit over several decades, or if you did you didn't keep those accounts around very long.

[saronian]

Thanks for the reply.

All gone in a BK 9.6 years ago. Probably an oversight that this one card stayed in two reports.

Proud of the credit I have rebuilt since then. Always worth establishing and keeping a good credit report.