https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-History/m-p/503868#M37359 You clearly dont want to remove them, but the CRA might.&nbsp; CRAs dont keep dead account records forever.&nbsp; It seems to be that their policy it to keep them for up to ten years after closing, at which point they may choose to delete.&nbsp; It is their call. Fri, 15 May 2009 04:05:14 GMT RobertEG 2009-05-15T04:05:14Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-History/m-p/503305#M37344 <P>At what point does an unopened account no longer affect your score?</P><P>I have several accounts that were closed in 2001 and earlier. They were never late, but Im in the process of building my cr and&nbsp;scores up again and all three reports vary and would like to make them easier to read.</P><P>Would having them removed hurt? My history is 13yrs and have several&nbsp;accounts that are 5+ yrs old and a few that are 1-5.&nbsp;&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P> Thu, 14 May 2009 16:05:47 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-History/m-p/503305#M37344 Anonymous 2009-05-14T16:05:47Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-History/m-p/503327#M37345 Removing these old, closed accounts will drop your score. Your history and AAoA play a huge part in your score. Old closed accounts do not hurt you at all. Thu, 14 May 2009 16:29:23 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-History/m-p/503327#M37345 llecs 2009-05-14T16:29:23Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-History/m-p/503868#M37359 You clearly dont want to remove them, but the CRA might.&nbsp; CRAs dont keep dead account records forever.&nbsp; It seems to be that their policy it to keep them for up to ten years after closing, at which point they may choose to delete.&nbsp; It is their call. Fri, 15 May 2009 04:05:14 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-History/m-p/503868#M37359 RobertEG 2009-05-15T04:05:14Z