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I am seeking input from the Forum on how to handle aged closed accounts. My recent Equifax report shows 10 closed accounts that have a last update greater than 7 years. All of these trade lines show Pays as Agreed (no activity payment activity listed). In addition, I see in the open accounts section an installment loan last activity 2014 with no balance listed, but it was paid off. I was under the impression that these items automatically come off your report after 7 years.
Should I either write Equifax or Call them to get this items removed or should I let them stay on my report?
If they are positive accounts (and it sounds like they are), you want them to stay on your report as long as possible because they contribute to the age and "thickness" of your file (which is good!).
Generally, positive accounts stay on reports for ~10 years after the account closed date. They can fall off sooner or later, though (10y is not written in stone)
I appreciate the insightful comments. Based on these advise, I will continue to enjoy my time in the Garden. Thank you.