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Question By
tuscapep

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How do I remove closed accounts from my credit report?
Also If an account is closed does it still affect my credit score?

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Depends on payment record

Helpful to 6 out of 8 people

The Fair Credit Reporting Act (a federal regulation) requires that ALL credit transactions be reported for 7 years (10 in case of bankruptcy).  This includes closed accounts which will drop off your credit report after 7 years.  Any account that shows a good payment record will have a good effect on your credit report, bad payments will have the opposite effect.  Your accounts cannot be removed.

Reply by
WMRTYWILL

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Helpful to 1 out of 3 people

PLEASE EXPLAIN WHY THEY CANNOT BE REMOVED, SOME ARE AS FAR BACK AS 2006 OR FARTHER....THESE ARE PAID IN FULL ACCOUNTS THAT ARE OVER SEVEN YRS.

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