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How do you get accounts that have been closed for a long time removed from your credit report?
You get closed accounts removed from your credit report in the same manner as any other information. You write a letter of dispute to the creditor, or credit bureau, or both.
The question is; why do you want closed accounts removed from your credit? If these accounts were paid as agreed, their appearance on your credit report is still offsetting any other information that appears there. I have clients with closed, 6-10 year old, accounts and active derogatory accounts that still have viable credit scores. Were they to challenge and have removed the closed accounts, they would have no score at all, which can be worse than having a low score.
Keep in mind that your credit report, and the resulting credit score, is a history of how you have paid your bills in the last 7 to 10 years. You do not necessarily want that history to be empty.
What else can I help you with?
Can you have accounts that have been closed for 2 to 4 years removed from your credit report?
If your question pertains to closed, positive, accounts; you do not want tyis type of account removed (or more accurately, shielded from view) on your credit file. Old positive accounts still show past payment history. If these accounts were open, they would be aiding your credit score by lengthening the time you have had open credit. But, even when closed, they show past credit history. This is good thing, and not something want removed. If your question pertains to accounts with derogatory information; those items may legally show on your credit for 7 years from the date of last activity. After 2 to 4 years, you can write a letter of dispute to the credit bureaus. If the accounts are not verified within 30 days, they must be shielded. If verified, they will not only remain on your credit report, but also get updated. This won't change the length of time they show on your report, but MAY effect how much they impact your score.
What should you do to get paid collections off your credit report?
If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.
How long will closed accounts remain on my credit report?
7 years from the DLA for "negative" accounts, and 10 years for accounts "in good standing".
How do you find out about old accounts?
A great place to start is your credit report. It will generally list all credit accounts you have had - even if they have been closed - along with the name and address of the account holder.
How do you locate the mailing addresses of credit card companies with whom you have accounts?
I just got my credit report from Equifax and it had all the creditors addresses (open and closed) included when I viewed the details of my accounts.
How do get a discharged chapter 7 removed from your credt report?
You cannot get it removed from your credit report. It will be on your credit report for 10 years and it will affect your ability to get loans and other type of credit accounts.
Is the closed auto loan showing on my credit report?
To find out if the closed auto loan is showing on your credit report, you can request a copy of your credit report from one of the major credit bureaus - Equifax, Experian, or TransUnion. The closed auto loan should be listed under the accounts section of your credit report.
Can you have accounts that have been closed for 2 to 4 years removed from your credit report?
If your question pertains to closed, positive, accounts; you do not want tyis type of account removed (or more accurately, shielded from view) on your credit file. Old positive accounts still show past payment history. If these accounts were open, they would be aiding your credit score by lengthening the time you have had open credit. But, even when closed, they show past credit history. This is good thing, and not something want removed. If your question pertains to accounts with derogatory information; those items may legally show on your credit for 7 years from the date of last activity. After 2 to 4 years, you can write a letter of dispute to the credit bureaus. If the accounts are not verified within 30 days, they must be shielded. If verified, they will not only remain on your credit report, but also get updated. This won't change the length of time they show on your report, but MAY effect how much they impact your score.
Is it bad for your credit if old credit card accounts are closed by the creditor and not by you?
It is considered a derogatory mark on a consumer's credit report to have the notation "closed by credit grantor" rather than "closed by consumer".
What should you do to get paid collections off your credit report?
If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.
How long will closed accounts remain on my credit report?
7 years from the DLA for "negative" accounts, and 10 years for accounts "in good standing".
For how long closed credit cards stay on my credit report?
only like 5 months -andrea It must depend on the type of credit report. My 2007 CSC Mortgage Services report has credit card accounts on it that I closed in 1997. No late payments, no negative marks. Just listed there as a closed account. -Lee
Can you get a copy of old credit reports say 5 years old?
Most accounts that have been closed stay on your credit report for at least 7 years from the time it was closed out.
How do you find out about old accounts?
A great place to start is your credit report. It will generally list all credit accounts you have had - even if they have been closed - along with the name and address of the account holder.
How do you locate the mailing addresses of credit card companies with whom you have accounts?
I just got my credit report from Equifax and it had all the creditors addresses (open and closed) included when I viewed the details of my accounts.
If you get a repossessed car back is it removed from your credit?
No. Your credit report is a record of all transactions on reported accounts. The repossession will show in the history, but so will the redemption.
What can you do if your credit report shows active accounts that you thought were charged off?
Why would you want to do anything? Having active accounts, instead of charged off accounts is a positive reflection of your past credit history and is probably causing you to have a credit score. This is a good thing, certainly much better than having charge offs, even paid charge offs showing. Your credit report is a history of how you have managed debt over the past 7 to 10 years. Accounts that were active during that period of time, whether open, closed, active or delinquent, are SUPPOSED to show on your credit report. Having them removed would certainly decrease your current credit score.
