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 add to your credit score just because someone issued it to you. If you are looking for the free credit report national site, check out this site
http://free-credit-report-national.info
Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating for free and fast