https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387130#M130259 It's going to stay on your reports for ten years after closing, whether paid off or not. The negative items will stop reporting 7 years after each occurred.<BR /><BR />Your credit reports are a history of how you have handled credit. Therefore, even once collections and charge-offs are paid, they still display, because they did happen.<BR /><BR />If you hadn't already paid, the best attempt would have been a PFD, or pay for delete, where you get the creditor to agree (in writing, on company letterhead, signed by someone with authority) to remove references to negatives in their reporting in exchange for your payment for what you owe. The best you can do now is GW, or goodwill, asking them to have the kindness to cease reporting. Not much leverage at this point, I'm afraid.<BR /><BR />Check "Frequently Requested Threads" for examples of PFD and GW letters. Mon, 24 Nov 2008 01:11:10 GMT haulingthescoreup 2008-11-24T01:11:10Z https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387070#M130239 Can anyone help I have a BOFA Credit Card&nbsp;that has been paid for about 1 year ago why is it still showing on my fico score credit report through Experian ? How can i get this released from my credit report Sun, 23 Nov 2008 23:11:49 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387070#M130239 adela 2008-11-23T23:11:49Z https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387077#M130241 Closed accounts stay on your credir report for 7-10 years. If there are no baddies showing on the card, then it isn't hurting your score. Sun, 23 Nov 2008 23:19:43 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387077#M130241 Anonymous 2008-11-23T23:19:43Z https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387116#M130258 it seems this card has been paid off but it is still showing on my credit report , who will i need to contact to ckear this up Mon, 24 Nov 2008 00:40:38 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387116#M130258 adela 2008-11-24T00:40:38Z https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387130#M130259 It's going to stay on your reports for ten years after closing, whether paid off or not. The negative items will stop reporting 7 years after each occurred.<BR /><BR />Your credit reports are a history of how you have handled credit. Therefore, even once collections and charge-offs are paid, they still display, because they did happen.<BR /><BR />If you hadn't already paid, the best attempt would have been a PFD, or pay for delete, where you get the creditor to agree (in writing, on company letterhead, signed by someone with authority) to remove references to negatives in their reporting in exchange for your payment for what you owe. The best you can do now is GW, or goodwill, asking them to have the kindness to cease reporting. Not much leverage at this point, I'm afraid.<BR /><BR />Check "Frequently Requested Threads" for examples of PFD and GW letters. Mon, 24 Nov 2008 01:11:10 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387130#M130259 haulingthescoreup 2008-11-24T01:11:10Z https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387158#M130267 Thanks for your advice it semms the account is paid off but on my credit report it is showing as not paid what shall I do ? Mon, 24 Nov 2008 02:03:53 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BOFA-Credit-Card/m-p/387158#M130267 adela 2008-11-24T02:03:53Z