Thanks for the comments everybody....it's actually WORSE than I thought. I did full reports on all 3 bureaus and have evidently slipped even further as of this moment:EQ: 763TU: 760EX: 759At least 11 of the 30-32 accounts I have listed are paid and closed or paid and inactive (many over 6 or 7 years old)....these are hurting my FICO score, according to the reports.Date of Last Activity:Macy's - June 2001Macy's - December 2002GEMB/JCP - April 2001GEMB/ROBSG - November 2000HSBC - January 2001BofA - March 2002WACH - May 2001MB Fin. - November 2000BP/Citi - November 2001FUSA - July 2001WAMU/Fannie Mae - April 2001I have no late payments of any kind.Can I request to have these old/inactive accounts removed?HELP! I'm shopping for a home at the present time.
I decided to request all 3 credit bureau reports and asked them to remove any information about closed with $0 balance accounts older than 7 years old....that should reduce the total number of accounts from about 30 to about 20.
Esteban why would you do that?