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lpml

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I have paid of my American express card and it has not come of mycredit report

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It appears you have not taken advantage of the education opportunity provided by Credit Karma by reading the articles.  Otherwise you would already know that  paid accounts remain on your credit for 7 years after final payment.  AND, unless the account was closed, you can still 'use that card.  Just don't be the one to close the account since that hurts your credit score.  Please make the time to read the articles here.  

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