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Closed Accounts

Because your credit report is designed to include a detailed profile of your credit history, closed accounts often remain on your credit report. That’s because they can help creditors better understand your credit habits, like whether or not you made payments on time.

How Long Do Closed Accounts Stay On Your Credit Report?

  • A closed accounts with no negative information in its history will remain on your credit report for 10 years from the date the account closes.
  • A closed account that was closed in good standing but had some late payments will remain on your credit report for 10 years, as well, but the late payments will be removed seven years after they occurred.
  • If the account was charged off, will be removed from your credit report seven years after the original creditor first reported the account as delinquent.

When Are Closed Accounts Deleted

July 17, 2016

Dear Experian, Will the closed account ever be removed from my credit report? - OWE

Closed accounts will remain in credit history for up to 10 years

January 15, 2014

Dear Experian, How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively...

The Difference Between “Closed” and “Paid-in-Full”

August 15, 2013

Dear Experian, Some of my accounts that are paid in full show “closed” instead of “paid in full.” Does this hurt my credit rating? If my account is paid...

Removing Closed Accounts in Good Standing

June 20, 2012

Dear Experian, How do I go about getting old, closed in good standing, credit card accounts off my credit report? - GRB

Closed Accounts Stay on Your Credit Report

January 18, 2012

Dear Experian, I printed my and my husband's credit reports. There are accounts that have been closed for years, but a note says they will remain on the report for...