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Have 11 closed credit accounts. when do they come off credit report

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The exact length of time the closed account appears on your credit report will depend on the payment history of the closed account.

There are set time periods for how long closed accounts and negative information remain on a credit report, depending on the type. Generally speaking, negative information will stay on your credit report for seven years from the date of last activity, but bankruptcies can appear on your credit report for 10 years from the date of last activity.

Accounts in good standing: Credit accounts that are closed but were paid as agreed, will normally remain on your credit report for up to 10 years from the date of last activity. Positive information onopen accounts in good standing, however, can stay on your credit report forever.

Charged off accounts: On the other hand, accounts that were not paid as agreed and charged off (meaning the debt became seriously delinquent and the creditor has given up on being paid and has closed the account to future use, although the debt is still owed)will generally remain on your credit report for seven years plus 180 days from the start of the delinquency that led to the charge off..

Account in collections: If you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due. The countdown to the account falling off your credit report begins 180 days after the start of the delinquency that led to the collection. Closing the account doesn’t remove it from collections, nor does it remove the collection and payment history from your credit report.

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