Saw one in the flesh and it was nice , backwards but nice . Don ' t mind the 5 lines but missing the lume at 3 throws it off balance for me . The patina wasn ' t as obvious when I saw it . I like it a lot . <| sep |> Not sure , I didn ' t hear about that problem . <| sep |> Explain ? Dude or dudette whichever , stay off off the shitty beacon score apps . No one will ever ask you to explain any accounts one , and 2 inactive doesnt do anything but show you have x amount of available credit vs what you use . I do this for a living , statements like that are why people get confused about credit . Ill reiterate , wells fucked up , they should be punished , but if thats the arguement to think they will get rich a judge will laugh the case out of court . Again , worse case if the opened a credit card the inquiry will hit you for a few points for 30 days unless you are applying for stuff everyday , and a new open acct will hurt the score for 36 months depending on the companies independent scoring system , just for the fact its a new account . If you have 1 or 10 credit cards , not uaing them doesnt make your credit inactive nor does it hurt you . Paying your acct off everymonth if you charge 5 $ or 5000 doesnt change anything , and if your file is pulled between payments and it shows a full balance it will affect you , and if your talking about high priced items they can order something called a supplement to get updated balances . There isnt even a rule that creditors need to report every 30 days , then can go up to 90 without sending updated info . While im on my soapbox , medically collections do nothing except lower your score a little bit , it wont change a decision for mortgages or cars etc , even most credit cards if a human is reviewing it , but most credit cards use an automated algorythm , and a human wont look at the application unless you callAnd again each company has their own scoring system to approvedecline a loan , fico score is a factor but the system is more important . Everyone thinks credit karma makes them an expert , they dont even use a fico since its proprietary info , they use a scoring system called beacon . But please tell me about inactive accounts and how they hurt . Because a non used acxount aged over 6 months makes you look better unless uou have an obscene amount of open accounts , because that is an actual thing , having to much open credit . If the people that have that much credit not being used and received a random credit card , they would call about it . Those type of people are rare and usually older with ficos in the 800 . Sometimes you get a 19 year old , with an acct their . parents . made them co . borrower on and the have 50 k open credit on a 20 k salary that will flag for sure . So in that case , yes it would hurt them because they have more available then their income generates