My score is in the 700's. But I have been turned down for credit card a number of times because my credit records lacks age. My oldest account is about 1 year old. I had paid and closed all my accounts and about 5 years ago. I had defaulted on many payments. Now I would want to know whether it is possible to reopen a closed account. I don't want to wait till my present cards get old enough to allow me get new credit. I also want to know what should be the length of the credit history.