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katieboss

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how long does it take for closed credit cards to come off your credit report?

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They remain a part of your credit history for 7 years after the date of closure. FYI- Closing a credit card hurts your credit score.

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It depends on whether they were closed in good standing or charged off. If they were charged off, then they will remain on your reports for 7 years from the Date of First Delinquency (DOFD) (meaning 7 years from the time that you missed the first payment that led to the charge off). If they were closed in good standing then they will remain for 10 years from the closed date, maybe longer if you are lucky. NEVER try to remove accounts that were closed in good standing, it would really hurt your credit to remove positive history.

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