Just an update on an experience i had. I had a new trade line hit my Equifax and NOTHING happened to the score. Account said too new to rate. Well then I had another new tradeline get added also. (a total of two) This one also said too new to rate. BUT .... My FICO score went up 10 pts. this could also be because both tradelines report my CL and my CL to balance ratio went from 55% to 45%. Just thought I would let everyone know about this experience. leencaci