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From what I read, closed accounts can stay on the reports for up to 10 years. I don't think there is something you can do.
If it is closed since 2007, most likely will drop from that bureau soon.
What can done about it if the account is still open? DW has an AU card that reports to EX only.
@Anonymous-own-fico wrote:What can done about it if the account is still open? DW has an AU card that reports to EX only.
Ask over in CC's if that's typical for the lender in question, and if not call them and maybe the bureaus; possibly it's landing on someone else's report.
Assuming you want it on her report .