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However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants. Credit terms differ among card issuers, so low rate credit cards shop around for the card that is best for you.
If you decide to keep your real name and use different personal information to create your new credit file all you have to low rate credit cards do is have a routine address change on your license to match the one used for your new credit file.
Information about you and your creditexperiences, low rate credit cards such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts, is collected from your credit application and your credit report.
