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jojo4572

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I have an account thats 7 years old how do I get it removed from my credit report ?

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If it is reporting positive payment history, it could remain on your report for 10 or more years, which is good.  The more positives showing, the better.  If there were negatives showing, the account should vanish 7 years after the date of last payment.   Some accounts, such as store cards, may remain open on the reports for a very long time with a 0 balance.  Don't sweat it.  The age of account and credit limit are working to your benefit oin your credit score.  Please re-read the articles here so you can see which accounts help you and which hurt.  You don't want the helpers to be removed.

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Is it a negative account or an account that was closed in good standing. Never try to remove an account that was closed in good standing, doing so would damage your credit. If it is a negative account you can ask the credit bureaus to remove it if it is seven years from the time of delinquency and is not any type of government debt.

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