Reply
Established Member
chevy22
Posts: 29
Registered: ‎08-16-2012
0

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 Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

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: 29
Registered: ‎08-16-2012
0

Re: Good Credit Question?

How can I get it placed into EQ & TU?

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

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: 12,952
Registered: ‎04-15-2011
0

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!
Frequent Contributor
mtrsprt
Posts: 307
Registered: ‎07-27-2011
0

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: 718 TU, 698 EQ, 705 EX on 6/07/2014
Goal Score: 720-740 Across the board


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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!
Valued Contributor
John060675
Posts: 1,126
Registered: ‎08-29-2007
0

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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+