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122029

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Raising Credit Score
I have a lot of credit cards with zero balances on my credit report, and some with balances listed that have been paid off. How do I get those accounts off my report so I can raise my score? I would like creditors to see the true amount of my debt like mortgage and car loan not accounts I don't even have anymore.

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Closed accounts stay on your report for 7 years from date closed.  If they are good accounts, (no late payments or charge-offs) and have zero balances then they are helping your score, not hurting it.  Not much you can do except wait...

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