<prompt> Human: When I was 18 I had a Citibank credit card that I was late on several times but ended up paying off on my own. Fast forward 14 years, I have been good ever since. I have a 740 credit score, low DTI, and perfect payment history. That account no longer shows up on my credit report but yet I applied for a credit card and was denied. They never even ran my credit. So how long can they consider customer history before they are doing something wrong. FYI I am actually an auditor for a bank. Every bank I have ever worked at purged closed accounts from their system after a certain time period so for this to happen blows my mind.  <response>: So how long can they consider customer history before they are doing something wrong. Theres nothing wrong or illegal about a company wanting to hold a grudge for 20 years. They dont HAVE to do anything they dont want to do.They trusted you once and you broke their trust. They have no reason to trust you again. 