topic Remove Dead Accounts in Credit score

Remove Dead Accounts

SCO — Thu, 04 Jun 2020 22:30:44 GMT

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.

Re: Remove Dead Accounts

Anonymous_ — Thu, 04 Jun 2020 23:11:22 GMT

@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.

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

Re: Remove Dead Accounts

Danny26-06 — Sat, 06 Jun 2020 00:17:50 GMT

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

Re: Remove Dead Accounts

Anonymous_ — Sat, 06 Jun 2020 00:33:16 GMT

@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?

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/