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gator1950

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Old excellent credit accounts do not show up?
After I sold my house I paid cash for everything for a few yrs. My older credit does not show up. Now my credit scores only negative remark is credit history too new. How can I recover years of older excellent credit history on my report? It would raise my credit score well over 800.

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The only contributors to a credit score are ACTIVE credit accounts such as credit cards and loans and anything older than 10 years that is not active, even if it has an excellent payment record, doesn't count.  Please re-read the articles here to clarify your credit understanding.  They sure helped me! I was recently able to buy a new car and couldn't finance a used car 10 years ago.

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Paid off accounts don't count

Once mortgage or car loan pad off,  account is closed.   No longer factors into your payment history component of credit score.   I paid off my car loan in March 2015 and Equifax has already removed my perfect payment history from my report. 

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