Credit Cards Center Credit cards from our partners
Reply
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: closed credit cards still on credit report


CreditCard101 wrote:

Accounts are in good standing usually stay in report for 10 years MAX. All accounts over 10 years are automatically REMOVED regardless of good or bad accounts. 

 



Except when they're not. We've had a number of members report the presence of accounts older than ten years post-closure that are still on their reports. Smiley Happy

When this happens, the advice is to tiptoe.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
New Visitor
Posts: 2
Registered: ‎03-24-2009
0

Re: closed credit cards still on credit report

I've had many cards over the years and closing does not remove them from your reports. So at one point I called a Credit Bureau and they told me I had to write that company and ask them to stop reporting on my closed account. It worked. When you get your report there is sometimes a list of the addresses for the creditors you have.

Two of my scores are in the 800's now thanks to Dave Ramsey.Time to celebrate!

Established Contributor
Posts: 656
Registered: ‎07-17-2007
0

Re: closed credit cards still on credit report


haulingthescoreup wrote:

CreditCard101 wrote:

Accounts are in good standing usually stay in report for 10 years MAX. All accounts over 10 years are automatically REMOVED regardless of good or bad accounts.


Except when they're not. We've had a number of members report the presence of accounts older than ten years post-closure that are still on their reports. Smiley Happy

When this happens, the advice is to tiptoe.

The CRAs are far, far from flawless. Sometimes things stay on longer than they're legally supposed to, sometimes they get deleted early. Either of these mistakes can be harmful or helpful depending on the info. This is course is why it's important to stay on top of your CRs.

New Member
Posts: 8
Registered: ‎10-02-2008
0

Re: closed credit cards still on credit report

Who would I write the attention to when writing to the credit card company??
Valued Contributor
Posts: 1,185
Registered: ‎03-04-2008
0

Re: closed credit cards still on credit report


FICO810 wrote:

I've had many cards over the years and closing does not remove them from your reports. So at one point I called a Credit Bureau and they told me I had to write that company and ask them to stop reporting on my closed account. It worked. When you get your report there is sometimes a list of the addresses for the creditors you have.

Two of my scores are in the 800's now thanks to Dave Ramsey.Time to celebrate!


 

As has been noted here before it is peculiar that posters who introduce "DR" into a thread also have a post count of 1.

 

I can assure you sir (or madame), as well as anyone else possessing an 800+ FICO score, that the person to pat on the back for your success is yourself. There is little to nothing that another can offer by way of advice to propel your score to that height. 700 maybe - 800+, it's all you!

New Visitor
Posts: 2
Registered: ‎03-24-2009
0

Re: closed credit cards still on credit report

When I wrote the credit card company, I simply wrote: To whom it may concern:

 

It will get to the right department if you add a reference (RESmiley Happy line before the greeting. I would include my account number in that line. Never had a problem! I usually received a response acknowleding my request.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.