If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?
It shows on your credit report as X number of dollars credit allowed, zero for maximum use and zero for outstanding balance. But it does a
dd to your credit score just because someone issued it to you.
if you are looking for the free credit report usa national site, check out this site
http://free-credit-report-national.com/
Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.