<prompt> Human: Before bot comes after me, i did check the faqI looked at my credit reports and noticed that much of my credit history was built upon student loans and mortgage. Those accounts are coming up on 8-10 year mark since being paid off or closed. Will these accounts disappear from credit scoring process and cause my score to drop. Im currently in the Excellent rating but dont have any need for new credit in the near future. Im just worried that the hard work from the past of building up a credit score will be lost due to not much current usage, other than 2 open, low usage CC accounts  <response>: Your 2 credit cards should protect your score decently. There may be a slight drop but since your usage is low on your credit cards, it should be ok. However, if your cards have NO usage, then it may be a problem. 