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Established Member
chevy22
Posts: 28
Registered: ‎08-16-2012

Good Credit Question?

How long is good credit suppose to stay on your CR?

 

The reason I'm asking is because I have an old store CC that has been closed and it is only showing on my experian report.

Moderator
llecs
Posts: 31,514
Registered: ‎08-04-2007

Re: Good Credit Question?

Typically 10 years from the date of closure. Nothing prevents the CRA(s) from deleting earlier though. I personally had an account report longer than the 10 years, but that was a good thing.

 

 

Established Member
chevy22
Posts: 28
Registered: ‎08-16-2012

Re: Good Credit Question?

How can I get it placed into EQ & TU?

Moderator
llecs
Posts: 31,514
Registered: ‎08-04-2007

Re: Good Credit Question?

You probably can't. If you wanted to risk it, contact the OC and ask if they can, but there's a very high probability they'll end up deleting off EX too.

Moderator
Shogun
Posts: 7,375
Registered: ‎04-15-2011

Re: Good Credit Question?

+1


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

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Regular Contributor
mtrsprt
Posts: 186
Registered: ‎07-27-2011

Re: Good Credit Question?

I have 3-4 accounts that are now closed.  All in perfect standing from 1996-1999...... Still listed on all three reports.


Starting Score: 521 TU, 622 EQ on 6/20/2011
Current Score: 654 TU, 673 EQ
Goal Score: 705 TU, 730 EQ


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Moderator
Shogun
Posts: 7,375
Registered: ‎04-15-2011

Re: Good Credit Question?

Usually 10 years, but hey, just leave them be.  Let them post as long as they want if they're good accts.


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge
Established Contributor
John060675
Posts: 1,002
Registered: ‎08-29-2007

Re: Good Credit Question?

I have an account that has been closed for 18 years still reporting on TU but not on the others.  I definitely am not going to say anything.  Hopefully they will continue to report it on that one at least.

I never drink water because of the disgusting things that fish do in it. -- W.C. Fields

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