inactive accounts

Discussion in 'Credit Talk' started by Mike, Apr 16, 2001.

  1. Mike

    Mike Well-Known Member

    If you haven't used a card in a year and it's your oldest line, does this still help you in terms of FICO?
  2. DaveLV

    DaveLV Well-Known Member

    This is going to be a round-about way of saying "I don't know", but unless the bank reports the account as inactive, I don't think there is a way to tell an account with NO activity vs. an account that is paid-in-full every month just by looking at a credit report.
  3. FoolEugene

    FoolEugene Member

    Wrong, there is a way. Usually the amount due as of last satement is reported. If there is zero, you did not use the card at all.

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