I think someone would have a tough sell in trying to convince anyone that an 18 year old with 18 years of credit history has the same credit risk as a 36 year old with 18 years of credit history.I've never yet had to put my age on any credit card application. So how would they know someone was only 18? All I ever see on any CC application form is a box to check to confirm that one is 18 or over.I'm guessing that since age is a protected class (discrimination laws) the credit card companies can't justify asking you for your exact age. The most they can do is ask you to confirm that you are 18 or over. I also just checked the latest copy of my credit report - no date of birth recorded. So they couldn't find out from CRAs, either, not in ALL of the cases anyway.
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