Originally Posted by edealinfo12345

Your credit card monthly track record appears on your credit report for ONLY 7 years. So, what does it matter if it is 7 or 15 years since you don't get the benefit of 8 to 15?

Originally Posted by vanillabean

I don’t think it works that way. Bad stuff falls off after seven years, while old accounts keep increasing in score value by way of age.

Originally Posted by edealinfo12345

I don't think that's true. If you look at your credit report, you see monthly tracking ONLY for 7 years regardless of whether you have held the card longer. When was the last time you looked at your credit report and within the individual credit card information. That's where you will see the details for the individual years (up to 7).