- Green Member
- Posts: 8
- Joined: Tue May 01, 2012 1:23 am
- Location: Arizona
Sounds to me like you have basically no recent tradelines other than your paid mortgage. With a report with such a small length of history with minimal tradelines, your score will move significantly with small changes.
Keep the card open going forward. As long as it has no annual fee, there is no reason not to have it. Make sure you use it though, even if its only one purchase a month otherwise it reports to the bureaus as no payments made on a $0 balance aka not using it aka its doing nothing for your score. Just make a purchase, then pay it off right away and be done.