Any party who has reported information to a CRA assumes the statutory obligation under FCRA 623(a)(2) to promptly update that information as may be necessary to maintain its current accuracy. They also are required to investigate disputes over the accuracy of that reporting should teh consumer choose to do so.
An account that was never used is clearly an obvious candidate to no longer monitor for any changes or to include in any reporriing.
For those and other internal housekeeping reasons, a creditor might choose to rid themselves of any continuing obligations regarding reporting informtion, and simply delete all reporting.
Credit reporting is totally voluntary in and of itself, and thus deletion of any reporting is always an option available to a creditor who wishes to remove any obligations on their part resulting from having information on file with a CRA.
CRAs choose to do their own housekeeping by deletion, and arbitrarily choose approx ten years after closing under the assumption that parties no longer have any interest in accounts that old. That ignores the affect on consumer average age of accunts and oldest account, but the CRAs are not concerned with such impacts.
Deletions by either creditors or CRAs thus can impact scoring, but that does not make it improper.
