{"id":362337,"date":"2022-05-12T07:00:00","date_gmt":"2022-05-12T13:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=362337"},"modified":"2022-05-12T15:12:34","modified_gmt":"2022-05-12T21:12:34","slug":"remove-closed-account","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-101\/remove-closed-account\/","title":{"rendered":"How to remove a closed account from your credit report"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3.png\" alt=\"How to remove a closed account from your credit report \" class=\"wp-image-362339\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3.png 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3-300x100.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3-600x200.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3-768x256.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3-450x150.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3-900x300.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/How-to-remove-a-closed-account-from-your-credit-report-1500x500-3-1400x467.png 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards.<\/a><\/p>\n\n\n\n<p>When you notice the sudden appearance of closed accounts on your <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report,<\/a> you may become concerned\u2014after all, closed accounts can impact your credit score. The good news is that you have three options when it comes to removing a closed account from your credit report. You can dispute inaccurate information, send a goodwill letter or wait it out. Keep reading for more details on how each of those options works.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-closed-accounts-and-why-are-they-still-on-my-credit-report\">What are closed accounts and why are they still on my credit report?<\/h2>\n\n\n\n<p>Closed accounts are, as the name implies, accounts that were previously open and active in your name that have been closed by the lender or creditor. You can&#8217;t use a closed account and no longer have access to the funds or credit it came with.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"280\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14-600x280.png\" alt=\"Closed accounts are accounts that were previously open and active in your name that have been closed by the lender or creditor.\" class=\"wp-image-362341\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14-600x280.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14-300x140.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14-768x358.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14-450x210.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14-900x420.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14-1400x653.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-14.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Accounts may be closed for several reasons, including:<\/p>\n\n\n\n<ul><li>You requested the closure because you no longer use the account<\/li><li>You paid off the balance of the account in full<\/li><li>You refinanced a new loan<\/li><li>Your account was closed due to inactivity&nbsp;<\/li><li>Your account was closed due to late payments<\/li><li>There was a mistake and your account was closed without a valid reason<\/li><\/ul>\n\n\n\n<p>If you\u2019re requesting that an account be closed, the closure process can take between one month and several months, depending on the lender. Lenders usually update their accounts every month, so it can take between one and two billing cycles for an account to be updated.<\/p>\n\n\n\n<p>Once an account is updated as closed on your credit report, it doesn\u2019t disappear. Accounts in good standing may stay on your report for up to 10 years, adding to your credit history. Conversely, an account in bad standing (accounts with missed or late payments or defaults) can stay on your report for up to seven years. This means the negative data on these closed accounts will continue to impact your credit for as long as they are on the report.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-closed-accounts-affect-my-credit-report\">How do closed accounts affect my credit report?<\/h2>\n\n\n\n<p>There are a few ways in which a closed account may affect your credit:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-utilization\">Credit utilization<\/h3>\n\n\n\n<p>When an account closes, it can impact your credit utilization ratio. Let\u2019s say you had three credit cards with a limit of $5,000 each, so $15,000 in credit total. Each month you spend $3,500 between all three cards, leaving you with a healthy credit utilization ratio of 23 percent. If one of these cards closes, your monthly spending of $3,500 across two cards with a combined limit of $10,000 means your ratio is now 35 percent.<\/p>\n\n\n\n<p>It\u2019s recommended you keep your ratio as low as possible to avoid a negative impact on your credit. So, if closing an account brings your utilization down enough, it can result in a drop in <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/what-is-a-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">your credit score.\u00a0<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-history\">Credit history<\/h3>\n\n\n\n<p>A closed account can stay on your credit report for between seven and 10 years. Depending on the account\u2019s standing, this could be a good thing or a bad thing. Accounts in good standing will continue to contribute to your credit positively for another 10 years.&nbsp;<\/p>\n\n\n\n<p>On the other hand, accounts in bad standing\u2014such as closed accounts with missed payments or default status\u2014can continue to bring down your credit. As time goes on, the closed account will have a more negligible effect on your credit score, but it will still negatively impact your score for up to seven years.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-length\">Credit length<\/h3>\n\n\n\n<p>Your length of credit history makes up 15 percent of your credit score. Credit history length looks at how old your oldest account is, as well as the average age of all your accounts. When you close an account, it remains on your report and your credit length isn\u2019t impacted. However, if it eventually falls off your report or you remove it, your credit history length could be greatly affected.&nbsp;<\/p>\n\n\n\n<p>Let\u2019s say you close your first credit card and, after the 10-year waiting period, the inactive account is removed from your credit report. Having your oldest credit card removed shortens your credit history and brings down the average of all your accounts. As a result, you may see a drop in your credit score. However, the good news is that this drop is usually temporary, and your score should recover in a few months.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-mix\">Credit mix\u00a0<\/h3>\n\n\n\n<p>Your credit mix makes up 10 percent of your credit score. A healthy credit mix is one that includes both installment accounts (mortgage, car loan, student loan) and revolving accounts (credit card, personal loan). If a closed account drops from your credit report and it was the only revolving or installment account you had, it will mean you no longer have a healthy credit mix.&nbsp;<\/p>\n\n\n\n<p>Let\u2019s say the closed account that drops off your credit report was your student loan, and it was your only installment account. Now, your credit report only has revolving accounts on it, leaving you with a less-than-ideal credit mix, which can result in a credit score drop.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-i-remove-closed-accounts-from-my-credit-report\">Should I remove closed accounts from my credit report?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"280\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13-600x280.png\" alt=\"a closed account in good standing can look good on your credit report\" class=\"wp-image-362340\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13-600x280.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13-300x140.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13-768x358.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13-450x210.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13-900x420.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13-1400x653.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/05\/CR-Blog-images-Template-not-social-13.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Deciding whether to remove a closed account from your credit report will depend on the type of account and its standing. As we\u2019ve mentioned before, a closed account in good standing is doing a lot to benefit your credit.<\/p>\n\n\n\n<p>It could be adding positive payment history to your account, keeping your credit mix healthy and\/or extending your credit length. In this scenario, there&#8217;s no benefit to removing the closed account from your report. In fact, it can result in a credit score drop if you do remove the account.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-you-should-remove-closed-accounts\">When you should remove closed accounts<\/h3>\n\n\n\n<p>Of course, if a closed account is in bad standing, it&#8217;ll be helpful to remove it from your credit report. Consider removing closed accounts that have missed payments, late payments or defaults attached to them.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-i-remove-closed-accounts-from-my-credit-report\">How do I remove closed accounts from my credit report?<\/h2>\n\n\n\n<p>There are three main ways you can try to remove a closed account from your credit report.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-dispute-inaccurate-information\">1. Dispute inaccurate information<\/h3>\n\n\n\n<p>The first step you should take is to review the account and make sure all the details are correct. If anything associated with the closed account is inaccurate, such as dates, amounts, lender information or more, you <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/how-to-dispute-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">can file a dispute.<\/a><\/p>\n\n\n\n<p>You can send a letter to each of the three major credit bureaus (Experian, Equifax and TransUnion) explaining what information is incorrect. Under the <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/what-is-the-fair-credit-reporting-act\" target=\"_blank\" rel=\"noreferrer noopener\">Fair Credit Reporting Act (FCRA),<\/a> all credit reporting agencies must correct or delete invalid details, as each consumer is entitled to an accurate credit report.\u00a0<\/p>\n\n\n\n<p>After you file a dispute, the credit bureau will have 30 days to investigate. It will reach out to the lender or creditor that provided the information and ask for verification. After the investigation is complete, the bureau will inform you if the information has been corrected or has been removed.&nbsp;<\/p>\n\n\n\n<p>Note that filing a dispute doesn\u2019t guarantee a closed account will be removed entirely. Instead, the account could just be updated, or a negative item associated with the account could be removed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-write-a-goodwill-letter\">2. Write a \u201cgoodwill\u201d letter<\/h3>\n\n\n\n<p>If everything about the closed account is accurate, filing a dispute isn\u2019t an option. Instead, the next step is to consider writing a \u201cgoodwill\u201d letter to the lender of the account. This letter is a formal request that the lender removes the closed account, and all its associated history, from your credit report.&nbsp;<\/p>\n\n\n\n<p>Note that creditors are under no legal obligation to approve or respond to this type of request. In fact, goodwill letters are typically only effective if you have a longstanding, good relationship with the lender.<\/p>\n\n\n\n<p>Additionally, some creditors may be willing to consider a goodwill letter request if you can explain that you fell on hard times, which resulted in the negative items associated with your account.&nbsp;<\/p>\n\n\n\n<p>Generally speaking, creditors and lenders may be willing to remove late or missed payment information but won\u2019t remove more serious breaches, such as repossessions and collections.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-wait-for-the-closed-account-to-be-removed\">3. Wait for the closed account to be removed<\/h3>\n\n\n\n<p>If the above two options don\u2019t work, the last step is to wait out the closed account. Eventually, the closed account will fall off your credit report\u2014either in seven or 10 years. And while that may sound like a long time, as the years go on, the closed account will have less and less of an impact on your credit.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re concerned about how a closed account affects your credit, you could focus on repairing other areas of your credit instead. The professionals at <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/what-is-the-fair-credit-reporting-act\" target=\"_blank\" rel=\"noreferrer noopener\">CreditRepair.com<\/a> can review your credit report and help you get back on track.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p> <a href=\"https:\/\/creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn what a closed account is and the three ways you can potentially remove a closed account from your credit report. <\/p>\n","protected":false},"author":72,"featured_media":362338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[516],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Remove a Closed Account from Your Credit Report | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Learn what a closed account is and the three ways you can potentially remove a closed account from your credit report.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-101\/remove-closed-account\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to 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