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Ocphenix

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How can i erase all of my closed Credit Card accounts from my credit report?
I have four open credit cards and 11 closed credit cards within the last 10 years. What can i do to eliminate the credit card history for those 11 closed accounts from my credit report? i noticed that out of the 11 closed accounts one of those accounts got errased from my credit report and my fico score went up my 36 points. What can i do to eliminate those closed accounts from my credit report?

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Wait patiently.

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Under the Fair Credit Reporting Act (a federal law) credit accounts listed on your credit report will remain there for 7 years, then they will fall off.  If you have paid those accounts on time and as agreed, that will reflect nicely.  If it was a lot of late payments, that has to show, too.  But nothing you, or anyone else cna do will remove those cards from your credit report until the time has passed.

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