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Crabby329

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When does a closed credit card fall off your credit report that has been paid
Also how do I go about having them removed

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Top Contributor
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It falls off seven years from the date of final payment. You could have tried negotiating a 'pay for delete' agreement prior to the final payoff (that topic is covered in the very informational articles on this site).  Sorry the card was closed since that hurts your score.

Top Contributor
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Assume the account was derogatory like charged-off/collection? Then paid or not, it remain on your report for same 7 1/2 years from the Date Of First Delinquency, except in State of NY in which paid collection account only supposed to last 5 years. Paid in itself isn't ground for removal, many people think just by paying the derogatory accounts, it would be removed.

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If that account was closed in good standing? Then it can last upto 10 years from the date it was closed. One should not try to remove any positive account, closed or not? They are aiding your credit profile. 

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