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I have 6-9 years of credit history on my FICO. I have had credit for almost 50 years, but I had 2 bankrupcies after divorces. Do the old credit accounts add to my credit history?
@Frank123 wrote:I have 6-9 years of credit history on my FICO. I have had credit for almost 50 years, but I had 2 bankrupcies after divorces. Do the old credit accounts add to my credit history?
Only if they are still open; if they were closed 10 or more years ago, the odds of them adding to your credit history are nil.
If they are still on your credit reports, yes; if they've fallen off, no.
As has been mentioned, closed accounts typically stay on your reports for 10 years, and for FICO 8 at least are included in your credit aging. Not that it matters much, but they are not included in Vantage aging so if you check your age statistics from Credit Karma or similar they will not match various FICO sources including myFICO.