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Discussion in 'Credit Talk' started by unlucky, Nov 14, 2001.
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Who knows what evil lurks in the hearts of their databanks? If you guessed the Shadow you're wrong.
Put it this way, they know much more about you than you will EVER know about them. Sometimes I wanna call Experian and ask them what I am gonna do tomorrow. Way better than Cleo.
Is it a good chance that the old credit is gone since it has been 10 years since a credit report has been pull?
Postive trades drop off by 10 years after they're closed. Negatives drop off at 7 years.
If you never used any type of credit for 10 years, I would think you'd have a blank report. Anything thats been open during your 10 years will report. It not just when you open or close tradelines that they report.
I had credit in 1990 and after that I never pull a credit report at all or applied for credit for the past 10 years.So there is a chance the credit report is blank no credit no inquires nothing.
You don't have ANY open accounts? You've paid cash for everything for the last ten years?
You've never had new telephone service, opened a checking account, had a job do a background check, applied for membership at gym, ordered satelite television, etc?
If not, then maybe you do have a blank report.
The reason I have not used my credit in the past 10 years I have been working in South American.Just return to the states.
But you could still have open accounts right?
Or don't you have any credit cards open during the time you where in south america?
If you have no open accounts there is a great chance you have a clean report. Why don't you try applying for a citicard and see if you get approved? If you don't get approved, then pull a credit report.Then you can see how your credit is looking.
My brother abused his credit cards when he in was college. He got out in 1990 and decided the stop using credit. We just pulled his report and it's literally blank report. There is NOTHING on it.