Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

2 Contributions
1 Person Helped
Remove closed accounts with negative history??
Recently did my annual report and all three agencies have the same two negative accounts.

Accounts were paid off and closed, one a year ago and one 3 years ago. Both are marked as closed on the reports.

Each of these accounts had a single instance where the account was 60 days delinquent.

1) Can I ask that these be removed and how?
2) One account was 6 years old and only had that one delinquency, would I even want it removed?
3) These two hits are the only negative on my credit, yet my score is a puny 610; can young accounts really bring the score down that much?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.