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Question By
Mandaa4

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How to get rid of 7 yr old bad card
I have an old card hat had several late payments. Account has been closed for over 7 years now. What do I do to get it off my report? This one card has hurt my score so badly it's time for it to go.

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Top Contributor
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It should drop off soon.  The time for the drop-off is 7 years from the date the card was closed.  And the fact that the account was closed actually hurts you because you lost whatever the credit limit was on that card from your total credit limit. 

Top Contributor
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Contact the credit bureaus and ask them to remove the account if it is negative, if the account was closed in positive standing but with lates, then just work to get the lates removed. Tell them the negative information is too old to report and they will likely remove it. You may be able to just call them or you may have to file a dispute.

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