I've got a duplicated postive TL on EXP. It's pretty old and I'm surprised it seems to have updated recently, but I'm wondering if I should delete one of them. I have 11 positive tradelines on EXP and I'm worried about having "too many" at some point. I don't want to delete it if this backfires and lowers my score, since there MAY be twice the history being counted and it has a ten year history. I know the prudent thing do to is leave it alone, but I'm wondering if there's anything obvious about one of these that says it would be better (FICO wise, of course to delete one. common: ---------- BALLY TOTAL FITNESS Account Number: 2539XXXXX Date Opened: 05/1992 Type: Installment Terms: 36 Months Monthly Payment: $0 Responsibility: Individual Credit Limit/Original Amount: $453 High Balance: NA ------------------------------- differences: first --- second ------------------------------- Status: Paid/Never late. --- Paid. Reported Since: 07/1994 --- 02/2003 Date of Status: 05/1995 --- 02/2003 Last Reported: 05/1995 --- 02/2003 Recent Balance: $0 /paid as of 05/1995 --- NA Recent Payment: $0 --- NA --------------------------------- .
Bally's is up to something...(I see evil with all creditors). They just put a posi tradeline on DH's report. He hasn't had a contract with them since 1992!!!! IMHO, since its an installment (closed end) its not open, leave it...you'll never know when you might need it
You don't have a 20 year history because of the duplicate, you have two accounts each w/ a 10 year history. I would leave it. An account with a 10 year history is good for FICO. An important part of your FICO score has to do with the age of oldest accounts/and AVERAGE AGE of accounts. A 10 year old account helps balance new accounts in the average age, and TWO 10 year old accounts is even better for the average.
