MR Months reported open line of credit on my report 
The months reported column must show at least a 12 to be a rated line of credit. So keep your account open at least one year before you pay it off.

MR Months reported open line of credit on my report bold

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                                                                           MR
BP/CITI   *60....752 r1 01/02    600    ---    172 01/02 02                   

J/                                        08/90    ---     10                                   

   CREDIT CARD                                                                 

MBNA AMER *8.....19   R1 01/02  13300    ---   3528 12/01 13                   

I/                      09/99               ---     79                                   

   CREDIT CARD                                                                 

                                                                               

AEDC CR UN*77......78 r1 01/02    ---   2000   1342 01/02 34                   

C/                       09/97                         ---     50                                   

   LINE OF CREDIT                                                              

                                                                               

CHASE NA  *458....71  R1 01/02  15300    ---  13565 01/02 10                   

I/                                                  03/01    ---    271                                   

   CREDIT CARD                                                                 

                                                                               

FUSA NA   *45.....41  R1 01/02  10000    ---   4109 01/02 06                   

I/                                                07/01    ---     82                                   

   CREDIT CARD                                                                 

                                                                               

CITIFINANC*8......53  R1 12/01   4500    ---    745 12/01 04                   

I/                                              07/01    ---     22                                   

                                                                               

FUSA NA   *45......1  R1 12/01   9500    ---      0 11/99 36                   

I/                                              12/98    ---    ---                                   

   CREDIT CARD                                                                 

                                                                               

TRV BNK   *8......88  R1 12/01   6500    ---      0       05                   

S/                                            07/01    ---    ---                                   

   CHARGE                                                                      

                                                                               

FLEET CC  *49.....1   R1 10/01    ---   1500      0 11/98 47                   

J/                                             11/97    ---    ---                                   

   PAID ACCOUNT/ZERO BALANCE                                                   

   ACCOUNT CLOSED BY CREDIT GRANTOR                                            

                                                                               

BANKAMERIC*41.....28  R1 10/01   6000    ---      0 10/01 41                   

I/                       0                           5/98    ---    ---                                   

   CREDIT CARD                                                                 

                                                                               

FUSA NA   *4......7   R1 02/00    ---   8500      0 09/98 27                   
 
A/                                          08/97    ---    ---                                   

   ACCOUNT CLOSED BY CONSUMER                                                  

   PAID ACCOUNT/ZERO BALANCE                                                   

                                                                               

FUSA BANK *1.....5    R1 02/00    ---   7000      0 10/99 26                   

S/                                              11/97    ---    ---                                   

   ACCOUNT CLOSED BY CONSUMER                                                  

   PAID ACCOUNT/ZERO BALANCE                                                   

                                                                               

FUSA NA   *4.....17   R1 10/99   1500    ---      0 09/98 26                   

I/                                               08/97    ---    ---                                   

   CREDIT CARD                                                                 

                                                                               
            
       
MR Months reported open line of credit on my report

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AEDC CR UN*7........8 I1 01/02    ---   9450   7665 01/02                      

C/72222221                             02/01    ---    227                                   

   AUTO                                                                        

                                                                               

REGIONS   *7......8   I1 12/01    ---   1400      0 11/01 23                   

I/322222222702             01/00             ---     68                                   

                                                                               

WELLS FARG*5.......8  I1 12/01    ---   107K   100K 12/01 52                   

J/6822222225             03/97                     ---    984                                   

   REAL ESTATE MORTGAGE                                                        

                                                                               

WFFINANCE *7......2   I1 11/01    ---    493    226 11/01 12                   

I/872-59663168           10/00               ---     20                                   

                                                                               

AEDC CR UN*7.......78 I1 03/98    ---   7300      0 01/98 04                   

C/72222201               10/97                   ---    180                                   

   PAID ACCOUNT/ZERO BALANCE                                                   

   AUTO                                                                        

                                                                               

AEDC CR UN*77.......8 I1 10/97    ---   7000      0 08/97 03                   

C/72222203               06/97                   ---    172                                   

   PAID ACCOUNT/ZERO BALANCE                                                   

   AUTO                                                                        

                                                                               

AEDC CR UN*77.......8 I1 08/96    ---   9400      0 08/96 04                   

C/72222201               03/96                   ---    234                                   

   PAID ACCOUNT/ZERO BALANCE                                                   

   AUTO                                                                        

                                                                               

BANKAMERIC*77.......8 I1 10/93    ---  14190      0 10/93 62                   

J/222222222222220        07/88                 ---    318                                   

                                                                               

    INSTALLMENT TOTALS            --- 116943 107891                            

MR Months reported open line of credit on my report
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    GRAND TOTALS                79000 136316 131352                            

                                                                ---   1745