Validating the Credit Score. Two or more eligible tradelines are necessary to validate an applicant’s credit report score. Eligible tradelines consist of credit accounts (revolving, installment etc.) with at least 12 months of repayment history reported on the credit report. At least one applicant whose income or assets are used for qualification must have a valid credit report score. HB-1-3555 (03-09-16) SPECIAL PN 10-7

Confirm the applicant has at least two eligible tradelines reported to the credit bureau. The tradeline may be open, closed and/or paid in full by the applicant.

Eligible tradelines include:
 Loan (secured or unsecured);
 Revolving (generally a credit which is not repaid by a certain number of installments);
 Installment credit (generally repaid through a specified number of installments such as automobile, recreational vehicle, or student loans);
 Credit card (offered by banking institutions, commercial enterprises and individual retail stores. Consumers make purchases on credit and if payment is made within a stipulated period of time, no interest is charged);
 Collection (an account whereby an original creditor transfers an unpaid, delinquent balance to a collection agency to retrieve any monies owed);
 Charge-off (is the declaration by a creditor that an amount of debt is unlikely to be collected)
 Authorized user accounts may not be considered in the credit score and credit reputation analysis unless the applicant provides documentation that they have made payments on the account for the previous 12 months prior to application.

The following are not considered an eligible tradeline to validate the credit score:
 Public records such as bankruptcies, tax liens, and judgments that appear on the credit report are not considered an extension of credit and therefore not included in this credit analysis step.
 Disputed accounts are not considered in the credit score and are not considered an eligible tradeline to validate credit.
 Deferred loans such as deferred student loans without 12 months of repayment history are not eligible tradelines to validate credit.

Insufficient information.
A credit score can be generated if a repository’s file includes only one tradeline, however, the lender must not use any score based on fewer than two tradelines. If the credit report cannot establish the required number of eligible HB-1-3555 10-8 tradelines to validate the credit score, establish a minimum payment history through use of a non-traditional report as explained in Paragraph 10.6 of this Chapter. Nontraditional credit may not be used to enhance poor payment records or low credit scores.

Original question:
I am not sure this would meet the USDA credit tradelines of 2.  There is depth but it is older was not sure.