Originally Posted by Josh M

No it won't...............if you have a card and never use it it just shows up how long you have had it and it will show that it has been paid up to date. Where the heck do you people get this info?

Non existant credit is when you have no open trades in the past 12 months. Say like you pay off your student loan this year, next year it is not considered an open trade, however will still show up and help but some credit companies knock you........I believe its experian? if you don't have at least 3 or so open trades.