Originally Posted by fliesdelta

Discover Card says it's FICO, I don't know how "true" it is, but whatever.

On my file I have zero derogs, zero public records, two hard pulls (one from March '14, one from May '13), eight credit card opens (all but two with zero balance), several closed, the current car lease, a couple of car loans that were paid off a few years ago, some mortgages going back 20 years and only one open right now. The oldest credit card is Amex, open in 1986, the newest is a Visa opened in 2005.

The March '14 HP was from Amex when I opened the Ameriprise Plat (it got back dated to 1986), the May '13 was when I opened a business Amex through my employer (did not get backdated, but it doesn't show up on my file).