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Subject: How to remove closed accounts?
Posted on Thu May 28, 2009 7:08 am  

I was just wondering should I remove closed accounts from my CR. I have 3 credit card accounts they have been paid in full 5 years back and still showing on the report. Will removing the accounts change my score?

Joined: 11 May 2009
rachael's page
Posts: 233

6576 Magic Points

Posted on Thu May 28, 2009 8:27 am  

Hi Abbey,

Will removing the accounts change my score?

If the closed accounts are showing 0 balance on your credit report, I would suggest, you do not remove them from your credit report. When you are applying for new line of credit there will be hard inquiries from the creditors. Most creditors would like to see that you have repaid back your old accounts responsibly, without any missed payments.

Before extending credit, creditors often consider the length of your credit records. But closing the old accounts will shorten the length of your credit history. As such, it is better to keep old paid-off accounts open; this is to ensure that you have maintained a longer credit history.
Looking forward to a debt-free life.
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Joined: 06 May 2009
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Posts: 5

324 Magic Points

Posted on Fri May 29, 2009 1:12 pm  

I will be possible if you closed your account & renewed it then your score will starting from 00. You can request to your lender or company to get help.

Thanks & Regards.
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