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Question By
Yete69

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How do I remove old accounts off of my credit report
Mortgage companies are no longer owed money to credit cards that have been closed for years yet there still on my credit report

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If those accounts have an excellent payment record, they could be on your report for ten or more years and that is to your benefit.  If the accounts have any- negatives on them and are more than 7 years old, then you can file disputes with the credit bureaus reporting them.

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1. Account with delinquency mark (late payment) the mark(s) itself should be removed 7 1/2 year from when mark(s) happened. The account may remain.

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2. Account with derogatory mark (charge-off, repo, collection) the account should be removed 7 1/2 year from the Date Of First Delinquency, usually its the last time you didn't pay that caused it to become derogatory account. In both cases, the Credit Bureaus usually will remove them in 7 years, if not bit sooner.

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3. Account closed in good standings can last upto 10 years from when it was closed.

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Reply by
JohnnyRain127

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I guess it didn't really answer your question... If the accounts you mentioned are already pasted those dates? Then quick phone call to Credit Bureaus should take care of it. Or if you perfer? can file disputes with Credit Bureaus.

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If the accounts were closed in good standing, DO NOT try to remove them. Doing so would DAMAGE YOUR CREDIT!!!!!!!!!!! Take some time to do some reading about all of this before attempting to make changes to your credit reports.

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