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Question By
Roeby

3 Contributions
5 People Helped
How do you get very old accounts removed from your credit report
I have credit card accounts, mortgage accounts, and auto loans that were paid off in the 90's and early 2000's that are still showing on my account

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Top Contributor
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Do not try to get them removed. You really need to do some reading before you destroy your credit. Removing old accounts like this will really hurt your credit, so DON'T!!

Top Contributor
986 Contributions
543 People Helped

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

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2. Account with derogatory mark, the account should be removed 7 1/2 year from Date Of First Delinquency, usually its 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.

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

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If those accounts you mentioned falls in #3? Then you are lucky they still on your reports, believe it or not, those accounts are helping boosting your credit profile and scores. Creditors can only go by whatever its on credit reports, when those accounts are gone from your reports, your credit history from when those accounts opened are gone as well, taking what? 20~25 years of your credit histories away. Once they are gone, they stay gone... "We can't remove the baddies soon enough, We can't have positive accounts long enough".

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If you so chose? you can call Credit Bureaus and ask them to remove those accounts, I am pretty sure you won't be encounter much resistance from them.

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