What effect does a dormant Credit card have on my credit rat

[Z064life]

Hi guys,


What effect does a credit card not heavily used have on your credit rating? My CC went through a dormant period but is now heavily used (but well within the credit limit!!). Noddle (though it's relevancy is debated) gave me a 5/5 and 650 score (Excellent).


Years ago Experian gave me 992/999 but then dropped to 850 for no reason or change in circumstances (ok I have always changed jobs every 12 months, but broken that pattern now!). This was even before I paid significant monthly recurring payments or everyday expenses on my CC.

Any advice appreciated!
Thanks!

[Z064life]

Stu R said:

850 is the max on experian now, so I'd say not much!

Ha well it was around that mark, I'll double check!


RE the question if a credit card not used for some months matters, what's the consensus on that?