I suspect that this statistic is true and not true depending on how you look at the numbers. I have two credit cards, but when I pull my credit report, somethi

I suspect that this statistic is true and not true depending on how you look at the numbers. I have two credit cards, but when I pull my credit report, something like 8 credit cards come up. The other 6 have been closed long ago, and now they're listed as "account closed". But for a long time, they were listed as open accounts even though I no longer even had the cards. I had to call several times to get the account closure properly listed. I suspect many people, over their lives, change from card to card as new deals are offered (50,000 free miles!), with varying velocity, but most people probably don't bother to call and insist that their credit report get fixed when these old cards aren't officially listed as "account closed".