Little things about credit?

Question

Is being a long term customer to a bank worth any good pertaining to credit?

And does it look good, bad, or neutral to have accounts at a couple different banks?

Answer 1

This will not show up on your credit report at all. Having accounts at different banks also has no bearing on your credit report. Banks only report if you have a loan from them. Only your creditors report your payment history to the credit bureaus.

Answer 2

the number of accounts you have makes no difference, it is only any bad debt you have had that will negatively affect your rating. If you are a long standing customer the bank will be more aware of your financial history and this can help, especially if you have not had a demonstrable history of getting credit and managing the repayments correctly.