Closed Accounts question....

[Anonymous]

The following are closed accts on my credit report.

Closed Accounts:

• Capitol One CC: $0/DOLA 11/1999 ??? Should this be dropped off? Is this hurting my FICO? Comments say "Closed by Consumer". Current Status: "Pays As Agreed".
• Providian:$0/DOLA 11/2003 Paid and closed secured CC. Comments: Account closed by credit grantor. Current Status: Pays As Agreed
• Medclear: $0/Paid Medical Collection Due to be removed 12/2008
• Medclear: $0/Paid Medical Collection Due to be removed 12/2008
• Americredit:$0/Paid Car Loan Current Status: Pays 31-60 days
• CB Merchant Services: $0/Paid Due to be removed 10/2009
• OSI Collection Services: $0/Paid Date of 1st Delinquency: 6/2001

I was wondering which ones are impacting my FICO's so I can send GW letters in hopes of getting them removed from my report.

Thanks in advance for the help. 

[Anonymous]

Closed accounts: Closed accounts are accounts that are no longer available for further use. Closed accounts may or may not have a zero balance. Closed accounts with delinquencies remain seven years from the date they are reported closed, whether closed by the creditor or by the consumer. Positive closed accounts remain 10 years.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=2689