How long do credit rating agencies hold information?
I've been abroad for 6 years. Had a limited credit history for 20 years prior, several mortgages and several credit cards, all paid off without paying interest (except the mortgages). On all of these I was the secondary account holder. I want to establish credit and to know what credit history from 2003 back will show up on my record? So how far do the agencies go back?
I am presuming that as secondary account holder, what I paid for many years, just does not count. I really do not exist as a borrower or as a creditable person to lend to. Am I wrong?
I would really need to know where I stand.