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shortnsassy955

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Numberof cards WAY off.
I only have TWO credit cards. How do I delete the ones I haven't had in YEARS and NEVER use?

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Top Contributor
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Depends on the number of years.

If the old cards are less than 7 years old, they will be showing on your credit report because they are part of your credit history.  The Fair Credit Reporting Act (a federal regulation) requires that all credit accounts be reported for 7 years from "date of last activity" (which usually means payment.

I hope you check your credit reports once a year because humans enter the data and humans are imperfect. If you haven't checked them, go to annualcreditreport.com and get copies of all 3 credit reports.  Look them over thoroughly and file disputes on any WRONG (not disliked, but truly wrong) entries with the credit bureau reporting them.  They have to investigate and either verify or delete the entry.

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