Remove Dead Accounts

[SCO]

I have 10 accounts on my credit report, 5 of them are dead accounts with zero balance.  How can I get these removed?  2 of them are over 5 years old.

[Anonymous_ · Accepted solution]

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@SCO wrote:

I have 10 accounts on my credit report, 5 of them are dead accounts with zero balance.  How can I get these removed?  2 of them are over 5 years old.

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You can either wait for them to drop off, request that the creditors remove them, or file a dispute with the credit agencies if there are inaccuracies.

See https://www.annualcreditreport.com/filingADispute.action

[Danny26-06]

How long would it take for them to drop off? And does requesting credit unions to remove accounts drop your credit score? 

[Anonymous_]

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@Danny26-06 wrote:

How long would it take for them to drop off? And does requesting credit unions to remove accounts drop your credit score? 

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They can remain on your credit report for ten years and whether removing them is beneficial is open to dispute.

See https://www.experian.com/blogs/ask-experian/deciding-when-to-close-credit-cards-with-zero-balance/