First off, I have learned so much from the MyFICO Community and I appreciate you all sharing your vast knowledge, tips, and lessons learned. I am in the process of rebuilding my credit profile and scores and currently have 28 closed installment loan tradelines that were paid off in good standing and show $0 balance. The loans were from a 8 year period after my divorce where my financial well-being was not great and I relied on quick-pay loans to make ends meet. These tradelines are due to automatically fall off my credits reports between June 2019 - December 2024. I am wanting to apply for a mortgage loan within the next 6 - 10 months. Would it make sense for me to request early deletion of these closed installment tradelines...or would it even matter in the mortgage lending process? Thanks in advance for any advice you can give me.
Closed in good standing, leave them alone. If there are any lates each of those lates drops at the 7 year mark then the account remains as a complete positive after the last late drops. Closed lines remain on file up to 10 years and help with AAoA.
Thank you so much for your reply. There were no derogatory or late payments recorded on any of these installment loan tradelines. All were paid on time and have been paid off. My concern is how these loans will look once a mortgage loan officer gets ahold of my credit file. It would be obvious that I was struggling financially for a period of time. Kind of embarrassing too...
Oh...one more thing. When I mentioned that I am rebuilding my credit...I really should have said that I am focused on building to a 750 FICO score for all CRAs. Thanks again for your very kind attention to my inquiry. 
gdale6...thank you so much for your reply. It certainly makes since to leave all positive credit reporting alone. I am just unsure about how this will look once I apply for a mortgage loan. Thanks again for being so kind.
I think the concern here is if they look bad to an underwriter. In addition to that, those types of loans are normally tagged as CFAs which could be suppressing the scores. You can pull your reports and look for the CFA reason and if it's on there and you haven't taken any other loans out, early exclusion may help your score. I've seen 25 and 30 points being thrown around on here as dings for a CFA.
In regards to how it looks, if it helped you to pay all of your bills on time, you can spin it so that it proves that you're willing to do what it takes to stay current. Then offer up any financial changes you've made so that something like that doesn't happen again.
Biran_Earl_Spilner...Thank you so much for replying...very much appreciated! Yes, that is exactly my concern. I would think an underwriter would count these tradelines again granting me an approval even though they were all paid on time and paid off early. But there is also the concern that once these tradelines are removed automatically when they reach 10 years, my AAoA will then be affected.
Brian_Earl_Spilner...What a great perspective and wonderful advice. I actually smiled a bit. I appreciate your input.