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Good Credit Question?

Established Member

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.

Message 1 of 8
7 REPLIES
Moderator Emeritus

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.

 

 

Message 2 of 8
Highlighted
Established Member

Re: Good Credit Question?

How can I get it placed into EQ & TU?

Message 3 of 8
Moderator Emeritus

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.

Message 4 of 8
Moderator Emeritus

Re: Good Credit Question?

+1

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 8
Frequent Contributor

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, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 764 EQ, 766 EX on 02/17/2014
Goal Score: 720-740 Across the board


Take the FICO Fitness Challenge
Message 6 of 8
Moderator Emeritus

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
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 8
Valued Contributor

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.


Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


Take the myFICO Fitness Challenge
Message 8 of 8