@Anonymous wrote:
There's no better voice than the voice of experience. I read these posts, and think, "Wow!"
I have a question for those experienced in credit reports. I do not have bad credit. However, I have multiple credit accounts. The vast majority of these are closed accounts--paid as agreed, no delinquencies, blah, blah (from cars, houses, etc.)
Is there a way to get accounts removed after 10 years? I wrote each of the credit reporting bureaus, and was simply told that good accounts can stay on your report for as long as they wanted to keep them there (it was at the credit reporting agency's discretion). Did I get accurate information?
Thank you for sharing your experience with me.
Hi, welcome to the forums!
Good Lord, don't EVER try to remove clean accounts! You should cross fingers, toes, and eyes in hopes that they hang on beyond the 10 years after closing. They contribute to your overall average age of history, and unless you have an open account that's even older, they also establish your oldest history. Both average and oldest history are huge in helping your scores.
Look up near the top of your screen at the dark blue menu bar and click "New! - Credit Education," and read through that. Also, please read Credit Scoring 101, or at least the initial post. These will help you get a sense of what's what in credit land.
Wow, what I wouldn't give to have a few more clean closed accounts hanging around my reports...
